Dental insurance can be confusing, but if you know how to play the game, it could save you hundreds. Each year, millions of Americans miss out on billions of dollars in dental insurance benefits, and the worst part is that they don’t even know that it’s happening. Are you ready to take back control of your health and your wallet? Keep reading to learn some of the best ways to take advantage of your dental insurance benefits in Melbourne.
Get to Know Your Yearly Maximum
Your yearly maximum is the most your dental insurance is willing to pay for one year of dental care. These dental benefits reset at the end of each year, meaning that any unused funds will be gone when the clock strikes midnight on December 31st. Yearly maximums are usually around $1,000, and the key is to try to reach this number before the year is over. That’s why the first step you should take toward saving money with dental insurance is to find out what your maximum is.
Remember Your Deductible
Another important number is your deductible. This is an annual fee that essentially unlocks your coverage for the upcoming year. Once paid, you won’t have to spend on another deductible until the next year is here. So, it’s in your best interest to wrap up any outstanding dental work you may have before 2020 to utilize the deductible you’ve already paid.
Book a Second Appointment
Dentists worldwide recommend biannual checkups and cleanings, yet 1/3 of Americans don’t see their dentist yearly. These people are not only putting their health at risk, but they’re wasting dental benefits that they pay for each month. Routine dental visits are one of the best ways you can use up your annual maximum because most dental insurance plans cover them 100%. That’s why checkups and cleanings with your dentist in Melbourne are a good way of staying healthy while saving money.
Beware of Changing Plans
Just like your personal plans, its fairly common for dental insurance plans to change their terms. However, this will usually happen at the end of the year, during the renewal period. Your premiums could go up, or benefits could go down, so it’s a good idea to utilize your insurance while you know the exact terms. You can do this by completing any fillings, crowns, root canals, or other services you may need while it’s still 2019.
The in’s and out’s of dental insurance are hard to navigate, but if you take the right steps, you can save hundreds before the year is over. Remember these tips to give yourself a healthy smile and a full pocketbook.
About the Practice
Dr. Richardson and Dr. Trantham are a team of experienced dentists who have a commitment to quality care for their patients. They believe finances shouldn’t get in the way of necessary dental care, which is why they want you to know some ways you can maximize your insurance benefits. For any questions, they can be reached through their website or by phone at (321) 723-3477.