Cosmetic Dentist in Westlake Village Explains Insurance Basics
With the year coming to an end, people are beginning to plan for the holiday season and new year. To-do lists are growing, and plans are being made. Have you considered your dental health on your to-do list?
Every year, thousands of Americans come to the end of the year without using up all their insurance benefits before they expire. Don’t throw those insurance benefits away! Here are some reasons it’s important to use all of your insurance benefits before the end of the year:
· Using your dental insurance benefits is important for your overall dental health. If you keep postponing dental work, you’re risking your health with conditions that could get worse over time, ultimately costing you even more money. A simple cavity that could be found and treated during a routine cleaning could eventually turn into a serious condition requiring thousands of dollars’ worth of treatment.
· Most insurance policies reset on the first of the year, which means your deductible will reset, too. Your deductible is the minimum amount of money that you must spend out of pocket on your dental expenses before your insurance will begin to pay. If you have already paid your deductible for the year, make sure to squeeze in any dental work before it resets and you have to pay the deductible again.
· You’re paying for insurance premiums, so use them! If you get to the end of the year and haven’t used the total premiums you’re allotted, it’s the same as throwing away your money. Go before the end of the year and have a cleaning or routine maintenance work done on your teeth so that you can get your money’s worth.
· Insurance plans have yearly maximums. This means that there is a maximum amount that your dental insurance plan will pay in one calendar year. If you haven’t used the maximum before the end of the year, you lose any unused money when your premiums reset.
· The most common time that fees increase is at the beginning of the calendar year. This means that your premiums and deductibles could increase at the beginning of the new year. If you are overdue for a dental cleaning, or know that you need some dental work done, taking care of it before the calendar resets can save you money.
As the year winds down, it’s easy to get caught up in hustle and bustle of the holidays and forget to take care of yourself. During busy times, it can be easy to put things like dental health on the backburner. But the time for taking care of your teeth is now as it can save you money and help you to maintain your pearly whites in the long run.