4 Ways to Maximize Your Insurance Benefits in 2021
Are you insured, but don’t have the slightest clue on how to maximize your dental insurance benefits? You’re not alone. In fact, many Americans end up leaving $1,000+ worth of benefits on the table each year. Yikes! Don’t worry – with a few helpful tips, you can prevent that from happening to you in 2021.
Many insured patients benefit from 100-80-50 coverage. This allows both providers and patients alike to focus on preventive care. As a result, up to 100% of annual X-rays and biannual checkups and cleanings are covered. There is one drawback, however: if you don’t use one of your visits, you don’t get a “makeup” one the following year. So, if you haven’t scheduled your second dental checkup and cleaning of 2021 yet, do so!
Despite your best efforts, dental problems can arise. Whether it’s minor tooth decay or more moderate gum disease, don’t put off the necessary restorative treatment, especially if you have remaining benefits. After all, your dental insurance provider may cover between 50% and 80% of the cost. As a result, putting off treatment can negatively affect your smile and your wallet.
Do you have an FSA account with your employer? The funds are designed to make covering medical expenses, like dental treatments, more affordable. So, now is a good time to check on your remaining balance, especially since there may be restrictions on when and how you can use the dollar amount. A good person to check-in with is your HR Manager (or the person who handles the employee benefits at your company).
While benefit periods vary depending on the fine print of your dental plan, it’s important to note that many reset on January 1st. Therefore, time is running out to utilize your remaining benefits! The good news is that following up on your available coverage isn’t difficult. All you have to do is get in touch with your carrier or ask your dental team for some assistance.
Dental plans are designed to make prioritizing your oral health an obvious choice for your smile and your wallet. So, don’t let your benefits go to waste! Get in touch with your dental team so you don’t leave any of your valuable dollars on the table this year.
Over the last 15+ years, Dr. Steve Weber has helped countless patients achieve their smile goals. He earned his dental doctorate from the University of Nebraska’s Medical Center and is proud to serve individuals and families in the Lincoln area. Plus, his team at Weber Family Dentistry is ready to help you maximize your dental insurance coverage in a way that benefits your smile and your wallet! To learn more about utilizing yours, get in touch with us via our website or by phone at (402) 417-0642.