We know — organizing your dental coverage makes color-coding your closet sound like a dream. But if you have dental benefits, you should be using them. So get a head start on your 2016 benefits game plan. And much like your shoes, you’ll feel so much better when every item is in its place.
Get insurance organized now for a stress-free year.
• Make a checklist.
Start with the basics — make a list of preventive services you need. You should visit the dentist 2 times a year for a cleaning and check-up, according to the American Dental Association. If you know you’ll need additional dental work, like fillings or crowns, pencil those procedures in, too.
• Study your coverage.
Once you know what procedures you need, dive deep into your plan. Familiarize yourself with dental insurance basics. What’s your deductible? What about your annual maximum? Most plans cover a percentage of procedures up to a specific dollar amount. Review your benefits contract so you know what’s covered. If you’re a Delta Dental subscriber, you can log in to your secure account and see a full online benefits report that details your coverage and eligibility.
• Construct a timeline.
Write down any procedures that must be done this year. Scatter them accordingly to accommodate your budget and plan coverage.
• Write it down.
A lot can happen in a year! Keep track of any insurance victories or speed bumps. This will keep your mind fresh if you want to adjust your plan come next open enrollment.
Now, go clean out your closet!