{"id":990,"date":"2019-10-09T18:20:44","date_gmt":"2019-10-09T18:20:44","guid":{"rendered":"https:\/\/www.premierdentalwaco.com\/blog\/?p=990"},"modified":"2019-11-01T18:23:26","modified_gmt":"2019-11-01T18:23:26","slug":"dental-insurance-benefits-and-why-its-best-to-use-them-before-the-end-of-the-year","status":"publish","type":"post","link":"https:\/\/www.premierdentalwaco.com\/blog\/dental-insurance-benefits-and-why-its-best-to-use-them-before-the-end-of-the-year\/","title":{"rendered":"Discover Why It\u2019s Best to Use Your Dental Benefits Before the End of the Year"},"content":{"rendered":"\n
\"an<\/figure><\/div>\n\n\n\n

With only a few months left before we ring in 2020, there\nis only a limited amount of time left to use your remaining dental\ninsurance benefits<\/a>. If you\u2019ve met your deductible and already recovered\nfrom that costly root canal, good for you, but what if you opted to hold off\nuntil next year to have it done? This mistake can cause you to forfeit valuable\nbenefits and money already spent. Find out why you\u2019re better off going ahead\nwith the procedure now instead of waiting until January 1. <\/p>\n\n\n\n\n\n\n\n

How Dental Insurance Works<\/h2>\n\n\n\n

When signing up for dental insurance, you agree to pay a\nmonthly premium that grants you access to your individual plan. In order for\nyour insurance company to start paying more of their share of the our-services you\nreceive, you\u2019ll need to meet your deductible, which can vary depending on the\npolicy. In addition, you\u2019ll also find there to be an annual maximum that is\nyour insurance company\u2019s promise to pay an allotted amount each calendar year,\nbut remember, anything that goes over your annual maximum will be your responsibility\nto pay.<\/p>\n\n\n\n

Every insurance company is different, as are their policies,\nso if you\u2019re ever unsure or need clarification about how your individual\ncoverage works, don\u2019t be afraid to talk to your dental team or call your\ninsurance company.<\/p>\n\n\n\n

What Services Are Typically Covered?<\/h2>\n\n\n\n

Since dental insurance is designed to encourage preventive\ncare, you are likely to find most policies cover 80-100% preventive our-services.\nThese often include dental checkups and cleanings, x-rays, dental sealants, and\nfluoride treatments. They\u2019ll also pay somewhere in the range of 70-80% of minor\nrestorative our-services such as dental fillings, and between 50-70% of major\nrestorative our-services like dental crowns, bridges, or dentures. <\/p>\n\n\n\n

Making sure to see your dentist for your regular dental\ncheckups and cleanings is one of the best ways you can take advantage of your\ndental benefits. Not only are you able to take care of your teeth and gums now,\nbut you are preventing future problems from developing, and you\u2019re saving\nyourself a substantial amount of money in the long run.<\/p>\n\n\n\n

Why Use Your Benefits Before the End of the Year?<\/h2>\n\n\n\n

The reason your dentist encourages patients to use their\ndental insurance before the end of the year is that once January 1 arrives,\nyour benefits will not roll over. This means, anything you accrued toward your\ndeductible or annual maximum is reset to zero. The moment you meet your\ndeductible, your monetary responsibility for our-services you receive is\nsignificantly lessened, so if you find out you need a more costly procedure or\ntreatment, it is in your best interest to have it done before the end of the\nyear, so the insurance company can pick up the majority of the bill. Not to\nmention, with each new year, there is a possibility for your coverage to change.<\/p>\n\n\n\n

Remember, you\u2019re already paying for coverage, so why not use\nit? Don\u2019t throw your money away, and don\u2019t let the days pass you by. Take\ncontrol of your oral health and get any necessary dental work completed before the\nnew year. Your wallet and peace of mind will thank you.<\/p>\n\n\n\n

About the Author
<\/strong>Dr. Rick Cofer opened Premier Family in February 2012. He earned a degree in biology from McMurray University before going on to attend Baylor School of Dentistry. For more than 5 years, he has been associated with Texas Advanced Dental Seminars and Seattle Study Club. Dr. Cofer and his team are equipped to help you take back your oral health if you\u2019ve been suffering from dental problems, and they\u2019re happy to help if you need assistance better understanding your dental insurance policy. Let them assist you in getting the most out of your benefits before the end of the year and contact<\/a> them at (254) 732-0309.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

With only a few months left before we ring in 2020, there is only a limited amount of time left to use your remaining dental insurance benefits. If you\u2019ve met your deductible and already recovered from that costly root canal, good for you, but what if you opted to hold off until next year to […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-990","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/posts\/990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/comments?post=990"}],"version-history":[{"count":1,"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/posts\/990\/revisions"}],"predecessor-version":[{"id":992,"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/posts\/990\/revisions\/992"}],"wp:attachment":[{"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/media?parent=990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/categories?post=990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.premierdentalwaco.com\/blog\/wp-json\/wp\/v2\/tags?post=990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}