If you haven’t seen your dentist in a while, now’s the time to schedule that appointment. The end-of-the-year marks the busiest time for the health care industry, as people are rushing to maximize their benefits.
Before this year’s end, follow this checklist to maximize your dental benefits.
1. Use your preventive benefits.
Dental plans are designed to focus on preventive care, and many plans completely cover regular exams and cleanings. Take advantage of this coverage, as preventive care can benefit your oral and overall health and save you money in the long run.
2. Check your deductible.
Your deductible is the specific dollar amount of money you pay out-of-pocket before your dental insurance begins. Cleanings and check-ups do not usually count toward your deductible.
If you’ve met your deductible for this year, now may be a good time to schedule any dental treatment you’ve been delaying. Some plans may reset your deductible and require new out-of-pocket costs at the start of the year.
3. Know your annual maximum.
Your annual maximum is the maximum dollar amount a dental benefit plan will pay toward the cost of dental care. If you exceed this cost, your coverage will no longer be in effect.
4. Coordinate your care.
Consider if the treatment you receive requires a lengthy follow-up that extends into the new insurance cycle and factor in these costs.
Also consider if a procedure’s cost is likely to surpass your annual maximum for the year, as it may be beneficial to split the treatment plan between this year and next year.