According to the National Association of Dental Plans, fewer than 3% of people with a PPO dental plan participants met or exceeded their plans annual maximum. This means that millions of Americans are leaving money on the table. If you have a dental insurance plan, it is likely similar to others in that this year’s benefits will end on December 31, 2018 and not roll over into 2019. If you have not made full use of your benefits, be sure to schedule your visits now to do so. Save money on preventive care and necessary treatments by using the most you can of your insurance. If you live in or near Lafayette, LA, our dental team can help you take care of your smile’s needs.
Most dental insurance plans provide coverage for exams and cleanings twice a year with usually no out-of-pocket cost to you. Routine exams and cleanings are essential to your oral health. Even if the visit is just to confirm that your smile is in tip-top shape, it is important to stay ahead of any costly issues that could start happening in your mouth.
Rollover and Deductible
Most plans do not rollover any leftover benefits into the new year. If you end up leaving any coverage behind in 2018, it will likely not be accessible in 2019. However, if you have had to spend a lot on dental treatments this year, you may have built your deductible up. Depending on your plan, once you spend a certain amount, the insurance coverage will take over. If you have already spent much of your own money, be sure to get any other needs you need taken care of before your deductible drops back to $0 in 2019.
Start Planning Now
You pay the premiums on your insurance benefits and you should be sure to use them. If you work with your dentist now in September, together you can determine your smile’s needs and create a plan to maximize your benefits before the end of the year.
Do you have dental benefits to use in 2018?
Most insurance plans have dental benefits that do not roll over into the new year. To learn more, schedule an appointment with us by calling the office of Michael J. Young, DDS, in Lafayette, LA, today at 337-237-6453.