When it comes to insurance timing is everything. Using dental insurance wisely involves understanding that this kind of insurance runs yearly which means you have a fixed time frame to take advantage of your dental insurance benefits as well as any deductibles. Keep in mind that in most cases dental insurance will reset at the beginning of the year on January 1st. Here are some ways to maximize your dental and health benefits when it comes to this type of insurance plan.
Specific Time of the Year
For example, scheduling two checkups each year is usually a good option because most plans will cover this type of arrangement. If you are only scheduling one exam each year you are missing out on additional dental care that may help you enjoy a better quality of life. Talk with your dental care provider and insurance company to find out what options are available to you in this regard. In addition, if your dentist has recommended anything from a bridge to a crown or a dental implant or some other type of treatment it may be good to schedule the treatment at a specific time of the year.
This is due to the fact that at the end of each year in most cases insurance policy benefits will run out. For example, if you are planning to have a crown placed it is best to have part of the treatment done at the end of the year and the rest of the treatment done in the new year. This type of strategy can greatly reduce the out-of-pocket expense involved with having a crown placed. Even teeth whitening as well as other cosmetic dental care may be covered under a particular plan. Your insurance company will have the specifics in this regard.
Employer-Sponsored Insurance Plans
Finally, while there are many choices when it comes to dental insurance plans today, it is best to shop around and take your time and choose the best insurance policy for your family’s needs. Those with employer-sponsored insurance plans may not have an option or may purchase additional supplemental insurance as needed. At the end of the day, dental insurance and its many benefits offer a powerful resource for helping to improve and maintain the best in dental health year-round. Talk with your Elk Grove dentist, Dr. My Huynh at Laguna Park Dentistry for more information on dental insurance and how to get the most out of your benefits.