Dental Tips: Top 4 Reasons to use Your Dental Insurance Now
The end of the year is almost here!
Before 2019 ends, your Hoppers Crossing dentist encourages you to make the most of your dental benefits, for you to keep healthy teeth during the holiday season and a bright smile for life.
At Sayers Dental Aesthetics & Implants, we take pride in doing everything possible to help you and your loved ones maximise your dental insurance.
Listed below are the reasons to use your dental insurance before the year changes.
1. Yearly Maximum
The yearly maximum is the largest amount 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 $800 per year, per person. The yearly maximum usually renews every year (every January 1st if your plan is based on a calendar year). If you have unused dental benefits, these will not roll over to the next year.
If you are paying premium dental insurance every month, you should be using your benefits. Even if you don’t need any treatment, you should always have your regular dental scale and clean to help prevent and detect any early signs of cavities, gum disease, oral cancer, and other dental issues.
3. Fee Increases
Another reason to use your benefits before the year ends is possible fee increases. Some dentists increase their rates at the start of the year due to the increased cost of living, materials and equipment. A fee increase can also make your expenses higher.
4. Dental Problems Can Worsen
By delaying any dental treatment, you risk more extensive and expensive treatment in the future. What may be simple tooth decay now, can turn into a root canal problem later. Call your dentist and schedule an appointment to use those benefits.
Dental Insurance – Use it or Lose it!
A number of dental insurance plans cover a large part of the dental cost of preventive and restorative procedures such as scale and clean, routine check-ups and examinations, X-rays, extractions, fillings, and many others.
This enables you to improve your oral and dental wellbeing as well as the overall quality of your life. Dental insurance makes your dental care better and more affordable.
By talking to your local Hoppers Crossing dentist, you’ll determine exactly what is covered for you and your family members.
It’s important to keep in mind that you will lose the amount of your annual maximum coverage if you don’t use it. Your dental insurance provides you with a certain dollar amount of insurance every year, but if you don’t utilise your maximum coverage benefits, you lose them. Unused benefits don’t roll over into the next year.
The yearly maximum typically renews each year on a calendar year basis, such as on January 1st. The benefits do not carry over to the next year and must be used by December 31st.
Sayers Dental Aesthetics & Implants serves local communities in Tarneit, Truganina, Werribee, Werribee South, Williams Landing, Wyndham Vale, Laverton, Laverton North, Altona, Altona Meadows, Altona North, Point Cook, Seabrook, Sanctuary Lakes and Alamanda.
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