If you have dental insurance, your insurance company provides you with certain dental benefits each year. In case you’re not very familiar with insurance vocabulary, you can think of an insurance benefit as a dental service that the insurance company pays all or most of the cost of. Read more
We know the majority of our patients work during the middle of the day. You may not work 9 to 5 exactly (maybe you work 8 to 4) but chances are that in the middle of the day, your employer or clients expect you to be at work or available. Read more
We know many dental patients find the ins & outs of dental insurance confusing, but if you have dental insurance the most important thing for you to know is that you get two free cleanings per year! Read more
We’ll bet the early history of dental care and dentists in the United States is far more interesting that you would have guessed, filled with famous names and genius innovations. While the technology and discoveries that led to modern dentistry happened all over the world, many notable firsts took place in the United States. Read more
As dental professionals, most of what we do is about relieving and preventing pain. However, sometimes post-procedure pain is an unfortunate but unavoidable step on the road to a healthy and functional smile. Read more
What if we told you the more often you see your dentist, the less you’ll spend on dentistry? We know it sounds like a contradiction, but that is the power of preventive dentistry. Read more
Like an orthodontist or a periodontist, a prosthodontist is a type of dentist who has received specialized training in a particular type of dentistry. After completing their education in general dentistry Read more
As your dental clinic, it’s our responsibility to help guide you through your oral health care so it is as easy & affordable as possible. As a result, we’re dedicated to helping you make the most of your dental insurance, ensuring you get the care you need & you take advantage of every benefit available to you.
Did you know that your dental benefits don’t roll over from year to year? Once you reach the end of the calendar year, your annual dental benefits disappear for good, whether or not you’ve used them.
What do we mean by dental benefits? One of the best examples of a dental insurance benefit are the preventive care services that are usually covered between 80% to 100%, meaning the insurance company pays 80%-100% of the cost of the service . For example, most dental insurance plans give you two teeth cleaning visits each year covered at 100%, meaning you pay nothing out-of-pocket for your dental hygiene visit. Most insurance plans also fully cover at least one set of full mouth x-rays each year.
However, if you’ve visited the dentist for one teeth cleaning this year, that doesn’t mean you get three teeth cleanings next year! Instead, that free cleaning that you skipped goes away at the end of the year & you never get it back!
Another example of your insurance benefits is your annual maximum, meaning the maximum amount that your dental insurance company will pay toward your dental care each year. Annual maximums vary greatly, but say your plan’s maximum is $2,500. If you’ve only used $500 of that $2,500 by the end of the year, the remaining $2,000 disappears & you never get to use it. Essentially, you’re leaving money on the table!
So what should you do if the year is almost up & you still have some of your annual maximum left? Well, this is why the end of the year is a great time to start recommended treatment. First of all, if you haven’t had both your teeth cleanings this year, call us as soon as possible to schedule your second cleaning before the end of the year!
As another example, imagine we told you that you need a crown on one of your molars but you haven’t actually completed the treatment yet. If you continue to put off getting the crown until the beginning of next year, you’ll be throwing away your remaining annual maximum for this year & using up next year’s benefits early instead. That means if you need any other treatment during the course of next year, you will have already used up your annual maximum & will have to pay out-of-pocket for it. Using up this year’s insurance maximum could actually save you money next year by ensuring you don’t hit your maximum too early!
So if you have dental treatment recommendations from us that you haven’t completed yet, give us a call as soon as possible so we can schedule your visit before the end-of-year rush. We’d be happy to help you check to see if you’ve hit your annual maximum yet & help you make the most of the money you have remaining on your insurance plan.