The Top 5 Reason To Have Dental Insurance

Did you know that each year insurance companies make millions of dollars from patients that refuse necessary dental treatment even though they have paid for their premiums.  Any annual benefits that are not used by end of the year (December 31th) will be wasted. You could save a-lot of money  by using your dental benefits before the end of the year. 

These 5 reasons will show you why you should make a dental appointment now


1. Premiums
Over the year you or your employer is paying monthly toward your premium but due to some unforeseen reason people forget to use their benefits.  Even if you don’t need any dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other dental problems.

2. Maximum Benefit
The yearly maximum is the most money that the dental insurance plan will pay for your dental work within one full year. This amount varies by insurance company, but the average is around $1,000 per year, per person. The yearly maximum usually renews every year (on January 1 if your plan is on a calendar year). If you have unused benefits, these will not rollover.

3. Deductible
The deductible is the amount that has to be paid annually to use your dental benefits. The average deductible for a dental insurance plan is usually around $50 per year. Your deductible also starts again by your plan renewal.

4. Cost 
Most insurance carriers and dentists increase their fees annually (Each January) due to the increased cost of living, materials and equipment. A fee increase can also make your patient portion higher.   Maximum annual benefits may not increase at the same paste.

5. More Dental problems
By delaying dental treatment, you are increasing the risk of causing more extensive treatment. A simple cavity could turn into a crown or into a root canal later. Call us and schedule an appointment to use those benefits.