Before the arrival of the Covid-19 pandemic, around 74 million people did not have dental insurance. Since then, many people have lost their jobs and their health and dental benefits, and that number has surely increased. If you are fortunate enough to be able to afford dental insurance, it is important to visit your dentist in Moses Lake to protect your oral and overall health. Keep reading to learn a few ways you can maximize your benefits and save yourself from out-of-pocket expenses.
Don’t Avoid the Dentist
Your dental insurance allows for two preventive care appointments each year. This means that twice a year, your dentist can clean your teeth, take dental X-rays and perform thorough exams to catch any developing issues you may have. If they notice the early signs of a cavity or gum disease, these problems can be corrected using conservative treatments rather than you having to pay out-of-pocket for more expensive procedures.
The 100-80-50 Dental Plan Structure
Typically, most companies have a dental plan with a coverage structure of 100-80-50. This means that 100 percent of your regular checkups, cleanings and other preventive care treatments are paid. For basic treatments, like dental fillings, your dental plan will pay for 80 percent of it. When it comes to major treatments like tooth extractions or root canals, your plan would pay for 50 percent. For the sake of your oral health and your bank account, the best thing to do is to take care of any issues while they are small. The bigger the procedure, the more out-of-pocket expenses you will incur.
Don’t Waste Your Deductible
Each year, there is a set amount your dental plan requires you to pay before they will pay for basic or major treatments. This is called a deductible. Many plans will pay for preventive care before you meet this amount, but for other treatments, you must meet the required amount for your plan before your insurance will start to pay. When January 1st arrives, your deductible will reset and whatever you’ve already paid will be lost. So, instead of losing money you’ve already paid in, it is a good idea to get any recommended dental treatments before the year is over.
When it comes to any kind of health insurance, it becomes a game of “use it, or lose it.” If you put off important dental treatments, it can cause damage to your teeth and your wallet. Maximize your dental insurance benefits and start your new year with a healthy smile.
About the Author
In addition to his clinical practice, Dr. Craig Harder is a contributing author for Dental Economics, the world’s leading print and digital practice management journal in dentistry. He and his team of dental professionals at Moses Lake Family Dentistry are committed to providing all patients with comfortable, comprehensive dental care. With the wide range of services he offers, including general cleanings, root canals, cosmetic dentistry and more, Dr. Harder can help you achieve and maintain the smile you’ve always wanted. For more information, visit the website or contact the office at (509) 766-9030.