Have You Maximized Your Dental Insurance Benefits This Year?

The end of the year is close, which means that many people are starting to think about their family trips, holiday celebrations, and new year resolutions. That also means that people are far less likely to be thinking about their dental insurance plans, which are ready to reset on January 1st, 2020. If you don’t want to let dental benefits you paid for go to waste and you were also in the market for orthodontic treatment, an orthodontist in Newark, OH can help you get coverage through your insurance!

Dental Insurance Benefits Will Reset in 2020

Many people don’t realize it, but dental insurance benefits do not typically carry over into the next year. For example, if you know that your dental plan covers at least two cleanings per year, and you only had one cleaning completed in 2019, you won’t have that second cleaning available to you once 2020 rolls around. Since you paid to have that treatment covered by insurance, it’s a waste of money if you don’t get that treatment scheduled in time. This may also be the case for other preventive treatments, such as exams, X-rays, fluoride treatments and other services, depending on your plan.

If you have already met your deductible, which is the amount of money you need to spend before insurance kicks in, and you have not met your annual maximum, which is the amount that a dental insurance provider will cover up to for your treatments, now is the perfect time to maximize your coverage before it resets.

Why It’s Important to Use Your Dental Benefits

Once you’ve paid the deductible on your dental insurance plan, you’ll need to meet it all over again after the end of the calendar year. Furthermore, the details of your plan could change in the following year. This means that the premium you pay could get higher or the services that were once covered may not be a part of your plan anymore. Using your benefits now reduces that risk, especially when you’ve already met your deductible and you have not met or exceeded your annual maximum.

How Insurance Can Cover Orthodontics

In most cases, dental insurance covers preventive services, minor restorative services, and major restorative services at 100 percent, 80 percent and 50 percent respectively. While this is not guaranteed for all dental plans, it is by far the most common breakdown you can expect. When it comes to orthodontic treatments, such as metal braces, you can expect to get at least partial coverage from an employer-sponsored plan if you are under 18 years of age. If you have a medical need for braces, your plan is far more likely to provide coverage. If your plan has a waiting period, make sure to begin treatment now before the end of the year is up.

Are you interested in receiving braces and want to get coverage through your dental insurance? Schedule an appointment with an orthodontist to learn more about how braces in Newark can get more coverage than you’d think!

About Wigal Orthodontics

At Wigal Orthodontics, the orthodontists care about not just providing you services that are high-quality, but also affordable and completely customized. There’s no one-size-fits-all solution when it comes to orthodontics, just like any other facet of dentistry. To learn more about insurance coverage for orthodontics or see if treatment is right for you, you can contact the dentist through their website.