Getting Your Money’s Worth with Dental Insurance

At the end of each year, patients’ calendars begin to fill up with holiday activities. It can make scheduling appointments with your dentist a low priority for you; however, seeing your dentist before the year’s end can save you money. Here is how.

Have you used your dental insurance’s deductible this year? If you’ve had any kind of dental appointment during the prior year, you have already started chipping away at your deductible. Maybe you’ve already met it, and simply don’t know. By seeing the dentist and getting any additional dental work done before the end of the year, your insurance will cover a percentage of the cost. Waiting until after the New Year for treatment when your deductible has reset, however, will necessitate that you pay for most of your treatment out-of-pocket.

Another factor to consider is the annual maximum for dental treatment. Dental treatment will typically pay for a set amount of dental work each year, and beyond that will pay very little. If you need dental work, do it now and use up the rest of your annual maximum so that in the coming year, you’ll be able to start again with a new annual maximum.

Another reason to use every bit of your dental insurance is that putting off necessary dental treatments can worsen the problem, leading to more expensive and more invasive treatments.

Speak with the dentists at Broadmoor Family Dental in Shreveport, LA about your dental insurance. The office staff is highly trained in insurance issues and can help you make the most of your own dental insurance each year.

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Why You Should Use All of Your Dental Insurance Before the Year’s End

Having dental insurance is a wonderful thing for a dental patient; however, many patients each year miss out on utilizing the benefits that are available to them by neglecting to use their dental insurance before the end of the calendar year. Using your dental insurance can save you time and money regarding your teeth and the treatments you receive.

Be sure that you’re keeping track of your deductible. This deductible is the total money that you must pay for dental services before dental insurance begins to pay for services. This fee varies from policy to policy and might change dependent upon whether you’re seeing a dentist who is in or out of your insurance network. If you’ve met your deductible, see what additional dental work you might be able to get completely paid for or partially paid for by your insurance company.

Do you know what your yearly maximum is for dental treatment? A yearly maximum is the total amount of money your dental insurance will cover for your dental work within one complete year. Each year, the maximum resets and unused benefits do not roll over to next year.

If you’re paying for dental insurance, be certain you’re utilizing your benefits. Even if you don’t require dental treatments, you can still benefit from a regular checkup and professional cleaning. And remember, fees change each year, so your benefits and the costs associated with them can change. Use your benefits before you might pay more down the line.

Don’t let your 2015 dental insurance go unused. Schedule your consultation today at our Shreveport, LA dental office.

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