Fairport, Pittsford, Rochester NY
You pay your insurance premiums all year long but, for many insurance plans, certain benefits such as dental benefits expire at the end of the year. If this applies to your plan, you owe it to yourself to use those dental benefits before the end of the year. Failing to do so literally is a waste of money.
Here are four reasons why you should schedule an appointment with your Pittsford dentist now before your benefits expire when the calendar turns to 2018.
- Yearly maximums: Most dental insurance plans have a maximum amount that can be spent on dental care each year. The exact amount will vary depending on your insurance company and plan that you have selected. However, the average maximum amount of annual dental coverage is approximately $1,000 per person, per year, although this amount may vary. Typically, these maximums reset at the end of each calendar year. Any unused dollars do not roll over; instead, they are forfeited.
- Deductibles: Each insurance plan has a deductible, which is how much money you have to pay out of pocket before benefits start to kick in. Just like yearly maximums, deductible amounts will vary depending on your plan and insurance company. Deductibles may be higher if your dentist is outside your insurance company’s network of providers, although this does not mean that you cannot visit an out-of-network dentist. Each deductible resets at the end of the year, making it advantageous to maximize your benefits before your deductible resets. Depending on your plan, deductible does not always apply to preventive care such as cleanings and exams.
- Premiums: You pay a premium every year either by monthly payments withheld from your paycheck or by elective payments through private dental insurance plans. If you are paying for dental benefits, you should take advantage and use your dental insurance coverage for basic cleanings and examinations. The cost of monthly premiums can sometimes add up to be as much as these twice-yearly checkups. Why not get what you are already paying for? Not taking advantage of this coverage is equivalent to letting your insurance company take that money away from you.
- Procrastination: Many people avoid the dentist in general, either because they think they cannot afford it or because going to the dentist makes them nervous. If you delay going to the dentist now, this will only encourage the development of major oral health problems that will require intensive treatments at a later date. If you already are experiencing an issue with your teeth or mouth, just waiting for the problem to go away on its own is never the correct option. Something like a small cavity left untreated can grow and become a serious problem that may require a root canal or even an extraction. If you have dental insurance, you owe it to yourself to seek care before those benefits expire at the end of the year.
Total Oral Health Care in Pittsford
To find out more ways to protect your oral health or to schedule an appointment, please contact the office of Pittsford Dental Excellence Center by calling (585) 248-2575.
Pittsford Dental Excellence Center is proud to serve individuals in the areas of Pittsford, Fairport, and the greater Rochester NY area.