Take Advantage of Your Insurance Before It Expires

The next few weeks are an exciting time of the year as you gather with friends and loved ones over warm meals. As you shop for the perfect gifts and make your holiday plans, there’s something else that should be at the top of your priority list – a trip to your dentist. Now is the time to take advantage of your insurance because it’s about to expire.

Importance of Routine Dental Care

If you think your toothbrush and floss are enough to keep your smile healthy, you’re mistaken. In fact, it’s only half the care your teeth and gums need. The American Dental Association also recommends you see your dentist at least twice a year for a cleaning and checkup to maintain your oral health. Unfortunately, one-third of Americans don’t see their dentist regularly.

If you’re among those who skip routine appointments, you’re not alone. Although you may think you’re saving money by not visiting your dentist until it’s absolutely necessary, you’re actually increasing your dental costs.

Dental care focuses on prevention to lower the risk of developing common oral health problems, like tooth decay and gum disease. As a result, you’re less likely to need a costly treatment in the future to reduce your overall dental expenses. In fact, research shows every $1 spent on prevention can save $8 to $50 on restorative or emergency care. Since you have dental insurance, you can get the preventive services you need for little to no out-of-pocket expense.

Enjoy Affordable Dental Care

Dental insurance is designed with prevention in mind. You have access to the routine care you need by paying your monthly premiums. Although every policy differs, most insurance carriers cover preventive care 100%.

Unfortunately, even with the best prevention, a problem can still develop. It doesn’t need to go untreated because you’re given a yearly allowance to use toward restorative treatments by paying your annual deductible. Depending on your policy, your coverage can include 20% to 80% of the cost.

Don’t Waste Your Dental Benefits

Sadly, your dental insurance won’t last forever. At the end of the year, your policy expires. With less than 3% of Americans meeting or exceeding their annual limits, you likely still have several benefits remaining. If you don’t use them before the end of the year, they won’t carry over into 2020. You also aren’t reimbursed for any unused funds, your premiums, or your deductible. This could result in thousands of dollars thrown down the drain.

Although your schedule may be busy, don’t miss the chance to get a healthy smile for affordable rates. Keep your dental health at the top of your to-do list this holiday season. You’ll maximize your insurance benefits while starting the new year with a healthy smile.

About STEC Cosmetic & Family Dentistry

Our modern dental office offers the best solutions to maintain optimal oral health. We work with many insurance carriers to reduce the amount our patients need to pay for the services their smiles depend on. If you need an appointment before your benefits expire, don’t wait. Contact our office today.