The deductible is the amount of money that you must pay out of pocket before your insurance company will pay for any medical services. Each insurance plan’s deductible varies, and may be higher if you choose an out-of-network dentist. However, the average deductible for a dental insurance plan tends to be somewhere around $50 per year. Your deductible resets when your plan rolls over, meaning you should be sure to use your benefits before they expire!
Another year is winding down. If your dental insurance renews January 1, now is the time to come see Dr. Mary Lewis so you can take advantage of your dental benefits. “Most dental insurance policies emphasize prevention and diagnostics, typically covering two annual exams and cleanings, plus X-rays and, for children and older adults, fluoride treatments,” says Evelyn Ireland, executive director of the National Association of Dental Plans, or NADP.
Did you know that you could actually save money by using your dental benefits before the end of the year? Dental insurance companies count on making millions of dollars off of patients who never use their insurance benefits. But insurance companies certainly aren’t going to call you to remind you to take advantage of your coverage for annual dental exams, and most patients are simply too busy to dig through their insurance policy documents to find out what benefits remain for the year. It’s up to you to check what benefits you have remaining before your policy year ends. If you are unsure, contact our office and we’ll be able to help you in verifying this information.
Before Your Deductible Resets
Take Advantage of FSA/HSA Benefits
Do you have a FSA or HSA (Flexible Spending Account or Health Savings Account) for dental benefits? These are accounts that allow you to have some of your pre-tax salary put into accounts specifically for health costs. Most FSAs are use it or lose it, so be sure to schedule a dental appointment before the end of the year so you don’t lose this money!
Waiting Could be Dangerous to Your Oral Health
Need another reason to call your dentist before the end of the year? By delaying dental treatment, you risk more extensive (and expensive!) treatment down the road. What may be just a simple cavity or minor case of gingivitis now, could turn into a root canal or serious infection later. Often, when dental issues are ignored over time, they end up becoming far worse than whatever the original issue was. Contact your trusted Virginia Beach cosmetic and family dentist and schedule an appointment to use those benefits with Dr. Mary Lewis! Call us today to schedule an appointment (757) 631-9200.
BONUS – During the month of October, we will be offering professional teeth whitening services FREE of charge to new patients who come in for their dental cleaning. More info here!