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The Best Way to Maximize Your Dental Insurance Before the Year Ends!

November 10, 2019

Filed under: Uncategorized — drhughes @ 12:27 am

insurance form eyeglasses and penWith the year coming to an end, you probably have a lot on your plate. Your to-do list may include finishing any uncompleted work, making holiday plans and shopping for gifts. Your dentist in Ardmore says that by dedicating a little time to your oral health, though, you can avoid dental mishaps, save money and get the most out of your dental insurance. If you’re wondering how, then continue reading to get the answer!

Why There Should be a Sense of Urgency

With most dental plans, coverage is renewed at the start of the year. Therefore, if you haven’t taken advantage of your current benefits, on January 1st, 2020, they will be lost. At this time of the year, you’ll also be required to pay another deductible before your dental insurance can be applied to any care you receive.

If you have unfinished dental work that you postpone completing until next year, you can expect to pay more out-of-pocket. You can make your life much easier, though, by visiting a Cigna dentist in Ardmore before 2019 ends.

How Most Plans are Structured

The most common type of coverage dispersal is 100-80-50. The following explains how this system works:

  • Preventive Care – Both dental insurance companies and dentists encourage patients to take advantage of preventive care visits, which involves a cleaning and examination. Up to 100% of the cost of at least one visit will usually be covered.
  • Basic Care – An example of basic care is a cavity filling or root canal therapy. Dental insurance will cover up to 80% of the cost with this type of plan.
  • Major Care – The placement of a dental crown is usually considered major care, which requires the highest out-of-pocket commitment, as dental insurance will generally cover up to 50% of the cost.

Are Americans Wasting Their Dental Insurance?

There are a group of Americans that you likely don’t want to be associated with. Statistics show that of the over 160 million people with dental insurance, only 2.8% will fully utilize their coverage by the end of the year. While the average plan provides around $1,250 of annual coverage, most people will use just over $300. That amounts to almost $1,000 of benefits going to waste.

To make matters worse, it can leave a person’s oral health greatly compromised to go without visiting a Delta Dental dentist in Ardmore on a regular basis. The point of you having this information, though, is to take action. By making it a priority to visit your dentist, you can save money and precious time, and preserve your oral health!

About the Author

For the past 50 years, Dr. Robert V. Hughes has helped generations of families and countless residents of the Ardmore area experience the best in dental health. Still, he strives to encourage patients to get the most from their dental insurance and to prevent unnecessary dental mishaps by visiting on a regular basis. Dr. Hughes provides end-of-the-year dental care at his private practice, and he can be reached for more information through his website.

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