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4 Ways to Maximize Dental Insurance Benefits

October 17, 2021

Filed under: Uncategorized — Tags: — Dr. Anthony Giamberardino @ 3:31 am

Toothbrush and dental appointment on calendar Did you know your smile relies on more than just your toothbrush and floss to stay healthy? Even if you don’t have any dental concerns, the American Dental Association (ADA) recommends a cleaning and checkup every 6 months. Unfortunately, one-third of adults don’t visit their dentist in Medford as often as they should. Cost is a leading reason for delaying dental care, despite having insurance coverage. Paying your monthly premiums allows you to invest in your oral health to lower your long-term dental expenses. You can enjoy discounted rates, but your benefits won’t be available forever. Here are 4 ways to maximize your dental insurance before it expires.

1. In-Network VS Out-of-Network Dentist

One of the biggest decisions you’ll have to make is whether to choose an in-network or out-of-network dentist. Although your policy’s provider recommends a dentist who is in their network, you have the freedom to visit any location that accepts your plan. With an in-network dentist, you’ll advantage from pre-determined rates for specific treatments to have more coverage at the time of services. You can use your benefits at an out-of-network practice, but you’ll have to pay the difference between the dentist’s fees and your policy’s allowable amount.

2. Schedule a Preventive Appointment

Research shows every $1 spent on prevention can save up to $50 on restorative and emergency expenses. A cleaning and checkup every 6 months allow your dentist to prevent common oral health issues to avoid a costly treatment down the road. By paying your premiums, you can visit your dentist twice a year for only a co-payment to reduce future dental expenses.

3. Don’t Delay Dental Treatments

80% of adults admit the cost of dentistry is the main reason they don’t visit their dentist regularly. Up to 13% say they put off a dental treatment because of the cost, even though they know it will be more expensive to resolve later. After reaching your annual deductible, your dental insurance can pay up to 80% of the cost of common restorative procedures. You don’t have to leave your smile vulnerable if money is tight because your benefits will offset the cost.

4. Use It or Lose It

Your dental insurance benefits will expire at the end of the year. You aren’t reimbursed for anything you don’t use, including your premiums and deductible. Nothing will carry over for accumulation, which means you are throwing money down the drain if you’re not using your coverage.

Don’t miss the opportunity to achieve the healthy, beautiful smile you deserve without draining your wallet. Maximize your dental insurance benefits before it is too late.

About Dr. Anthony Giamberardino

Dr. Giamberardino earned his dental degree from the Tufts University School of Dental Medicine. He received the Harvard Community Health Plan DIAMOND AWARD for his expertise in dentistry. He accepts many dental insurance plans to keep his services affordable. If you have any benefits that you’re about to lose, contact our office today to schedule an appointment.

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