On December 31st, 2016, any unused dental insurance benefits you have will simply disappear. Well actually, they will go back to the insurance company. Every year, people lose billions of dollars in dental benefits despite dutifully paying their premiums. This is because many people do not know exactly how much they are covered, plus the dental insurance companies have an incentive to not let you know if you have any money left to use. This not only means a loss in dollars, but in vital care as well. Here are 4 ways you can save money with your dentist in San Antonio, TX at Jones & Knight DDS before the end of the year.
1. Annual Maximums
On average, dental insurance plans cover each person for about $1,500. However, most people use as little as 10% of this each year. This amount is intended to cover 2 preventive check-ups and cleanings and leave plenty of money left over for any other procedures that might be needed. Most patients only visit the dentist once a year, and this means any dental issues they may have are going undetected and untreated. Preventive care is usually covered 100%, so it’s wise to use your benefits now to save you from either losing them when the year ends, or from needing to get expensive restorative procedures in the future.
This is the money that you pay each year in order to get dental coverage. Many people spend more on this than they would simply going to the dentist and paying out of pocket. If you are going to spend your hard earned money to get complete care throughout the year, you shouldn’t waste it. Get what you paid for and use it to its full extent.
This is the amount of money you need to pay before you can use your benefits. This fee can vary between different insurance providers and could be higher if you prefer a dentist out of your network. When you plan rolls over on January 1st, you may need to pay your deductible again before you can start receiving benefits.
4. Fee Increases
Fees often increase from year to year to accommodate the cost of living or cost of materials. This can then influence your copay. It will be better for both your wallet and your smile to visit the dentist now before you need to spend more money later for the same care.
We Will Work with Your Insurance
We are happy to be contracted with most major dental insurance providers and accept all other plans as an out of network provider. We will make it as easy as possible for you to use your benefits with us and even file your claims for you. While we might not know the finer details of your particular plan, we will always do our best to make sure you receive the maximum benefit.
As the end of the year draws closer, there are only going to be more demands on your time and finances as the holidays begin. The last thing you want to deal with is an unforeseen dental issue. Dental insurance is specifically tailored to help prevent any problems before they begin, but millions of people miss out on this every year. Don’t let you or someone in your family be one of them. Make an appointment with your family dentist in San Antonio, TX today so you can use all of the benefits you are rightfully entitled to.