Have you been slacking on your dental visits this year? Then you’re probably one of the many scrambling to schedule an end-of-year appointment. November and December tend to be the busiest time for the healthcare industry, as people are rushing to maximize their benefits.
But before you pick up the phone and call a dentist near you, make sure you know the following to best maximize your benefits:
Your deductible is the specific dollar amount of money you pay out-of-pocket before your dental insurance begins to contribute. Cleanings and check-ups do not usually count toward your deductible.
If you’ve met your deductible for this year, talk to your dentist about scheduling any dental treatments you’ve been delaying, as your deductible will reset at the New Year.
2. ANNUAL MAXIMUM
Your annual maximum is the total dollar amount a dental benefit plan will pay toward the cost of dental care. If you exceed this cost, you agree to pay the rest.
3. PREVENTIVE COVERAGE
Dental plans are designed to focus on preventive care, and many plans completely cover regular exams and cleanings.
Take advantage of this coverage, as preventative care can benefit both your oral and overall health and save you money in the long run.
*Updated November 2021