Friday, October 15, 2010

Use Or LOOSE Your Dental Benefits

You can save money and improve your dental health by maximizing your insurance benefits each year. Some dental insurance plans run on a fiscal year, but most run on a calendar year. If your dental insurance plan is on a calendar year, here are 5 great reasons why you should make a dental appointment now.

1. Yearly Maximum
The yearly maximum is the most money that the dental insurance plan will pay for your dental work within one full year. Unfortunately unused benefits to do rollover. The yearly maximum amount varies by insurance company, but usually is around $1,000 per year, per person. The yearly maximum usually renews each year (on January 1st if your plan is on a calendar year).

2. Deductible
The deductible is the amount of money that you must pay to your dentist. This out of pocket expense must be paid before your insurance company will pay for any services. This fee varies from one insurance plan to another and is sometimes higher if you choose an out-of-network dentist. Your deductible also starts again when your plan rolls over.

3. Premiums
If you are paying your dental insurance premiums every month as scheduled, you should definitely be using your benefits. Even if you are not having any particular dental problems, you should still always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other dental issues.

4. Fee Increases
Another reason to use your benefits before the end of the year are possible insurance fee and deductible increases. Some dentists raise their rates at the beginning of the year due to the increased cost of living, materials and equipment. Some insurance companies also raise copays as well.

5. Dental Problems Can Get Worse
Delaying dental treatment, can put you at risk for more extensive and expensive treatment in the future. It can mean the difference having a tooth treated or having a tooth removed. What may be a simple cavity now, could turn into a root canal later. Call Kurz Family Dentistry today to schedule an appointment and use those benefits.

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Kurz Family & Cosmetic Dentistry
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