Dental insurance allows you to visit your dentist in Cary regularly to promote your oral health while keeping your out-of-pocket costs to a minimum. However, according to the Centers for Disease Control and Prevention, only 64% of adults and 84% of children had an appointment last year. Often, dental care is delayed due to the fear of cost, but if you have insurance coverage, you have nothing to fear. As the end of the year approaches, now is the time to maximize the value of your benefits before they expire.
Benefit from Affordable Care
Unlike medical insurance, dental coverage focuses on prevention to help keep long-term costs to a minimum while protecting your oral health. As a result, you will find that routine appointments for cleanings and checkups are often covered in full or for a low copayment. However, if you have yet to schedule an appointment with your Cary dentist this year, you are throwing money away.
Each month, you pay premiums for your coverage, allowing you to benefit from affordable services at pre-negotiated rates when you choose an in-network dentist. However, if you do not use your coverage, you are wasting money and missing out on a valuable savings opportunity.
At the end of the year, your benefits will expire. They will not carry over and you will not be reimbursed for the amount you have paid.
Maximize the Value of Your Benefits
Although cost is often a concern when it comes to dental care, using your benefits to visit your dentist regularly will help to prevent unexpected bills. With semi-annual appointments, you will reduce the development of dental issues. In addition, areas of concern are detected sooner to prevent the problem from becoming larger. As a result, the issue is quickly treated using a small procedure; whereas, if you let the complication remain untreated, it will result in a more invasive and costly treatment in the future.
When you have dental coverage, you do not have to delay getting the care you need. In addition to preventive services, your insurance many cover as much as 80% of restorative treatments after you have paid your deductible. Not to mention, you are given a yearly allowance to help cover any out-of-pocket expenses. However, if you do not use your benefits before the year ends, you will have to repay your deductible before your insurance will begin to cover the treatment you need.
Get the Care You Need Now
As the end of the year approaches, now is the time to maximize the value of any unused dental benefits. Your dentist will work on your behalf with the insurance company to ensure that your coverage is used correctly to keep out-of-pocket costs to a minimum.
About Dr. Darren Koch
Dr. Darren Koch has been a trusted and reputable dentist for more than 15 years. Due to his exceptional training, qualifications, and experience, he provides an array of advanced services to cater to each patient’s individual needs. If you have any remaining dental benefits, contact our office today to get the care you need before the year ends.