Use Your Dental Insurance Before Year Ends
Dental insurance can either run on a fiscal year or the calendar year, although one-calendar year validity is the more common arrangement. Our resident dentist in Sterling Heights Michigan, Dr. Fadi Farhat explains why you need to make the most out of your coverage to access the best dental care services your investment can buy.
No rollover for yearly maximums for dental insurance
Yearly maximums is the highest amount of money your dental insurance company will pay for any dental work or services you avail of within one full year. Insurance companies pay a certain amount of money for each customer under their insurance packages. This amount varies between insurance companies and depends on the policies of your plan.
It is important to note that your maximum renews every year. Insurances that run on a calendar year normally renew on the first day of January. The unused amount does not carry over when your insurance renews. If you don’t use the amount by the end of the year, it just goes to waste.
The cost remains the same
You pay for the same monthly premiums and deductibles regardless of whether or not you use the benefits that come with your insurance. Premiums are what you pay the dental insurance company to keep your insurance policy. Meanwhile, deductibles refer to the amount of money you need to pay for dental products and services out of pocket before your insurance company pays for their share.
When you renew your insurance, you will need to pay for the deductibles and premiums again in order to have access to your insurance benefits.
Avoid bigger dental problems
If you notice anything unusual about your teeth, gums or mouth or if you experience any dental pain and discomfort, schedule an appointment with your Sterling Heights Dentist right away. Do not wait for the problem to get worse before you see your dentist.
Most dental insurance policies often include a number of preventive services which allow you to see your dentist for free. Take advantage of these benefits. Major dental procedures such as root canals and dental surgery are more painful physically, emotionally and financially compared to a quick visit to the dentist.
Our staff will be happy to help you work out and get a clear understanding of the benefits and perks you can get from your dental plan. Ask our resident Sterling Heights dentist to get up-to-date answers to your questions and to ensure that you are making good use of your dental insurance.