If you have dental insurance through your employer, you are likely paying a portion of your coverage each monthly. Did you know that chances are high your unused benefits are on the chopping block at the end of this year? Many dental insurance plans are set on a calendar year — and if yours is, too, you may be at risk of losing big bucks on dental care. Fortunately, there’s still time to rescue those benefits from dental insurance in Lancaster County for the sake of your smile AND your wallet.
How Does Dental Insurance Work?
Dental insurance incentivizes preventive care in order to keep your smile healthy to avoid the need for more costly general and restorative treatments. You are paying for your discounts and coverage through your monthly premium, so it is important to cash in on these benefits throughout the year. Most insurance plans do not roll over from one period to the next. Say you have $800 left toward your annual maximum — when the ball drops on New Year’s Eve, those benefits will expire. You will have to meet your deductible all over again before you can receive discounts on restorative care in the next coverage period.
If your dental insurance plan is like most, you will receive 80% to 100% coverage on preventive services like a checkup and cleaning, x-rays, fluoride treatments, and gum disease therapy. Restorative care like a dental crown, dentures, and other services will typically be covered between 50% and 80%, depending on the complexity of the procedure being performed. Elective procedures are typically not covered by dental insurance.
There Is Still Time!
Even if your dental insurance benefits are on the verge of disappearing for 2018, there is still time to take advantage of the coverage you have already paid for. Talk to your in-network dentist about completing any open treatment plans or scheduling a checkup and cleaning if you have not already had 2 for the year. During this visit, your dentist will check for tooth decay, gum disease, and other oral health hazards which require treatment that may be discounted with dental insurance.
Most dental practices fill up around November and December, and many treatment plans take multiple visits to the dentist’s office. Therefore, you do not have time to waste! Get in touch with your insurance dentist as soon as possible to schedule an appointment for you and anyone else covered under your plan. That is the best way to make sure you save on the high-quality dental care that helps you enjoy a healthy smile for life!
Meet the Practice
At Mor Smiles, you will find your dentist in Lancaster Smiles who accepts all major PPO providers and will help you make the most out of your coverage. This team encourages all insured patients to book a visit before the year’s end! To do just that, go ahead and place a call to Mor Smiles at (717) 340 – 0478.