Hi! This is Ainsley, and I'm the office manager here at Niverville Heritage Dental Centre. I'm going to be talking to you about your dental insurance and how you can get the most of your dental insurance plan, especially since the end of the year is drawing near!
Dental insurance is often renewed on a yearly basis, understanding your plan is the first step to making the most out of the benefits you could be receiving.
Dental insurance, simply put, can take some or all of the cost associated with most dental treatments off of the patient and into the hands of the Insurance provider. You pay a monthly premium to have these benefits at your disposal, why not make the most of them?!
The best way to ensure you are getting the most from your benefits is to schedule and keep your routine recare appointments (i.e. dental cleanings and exam). During these appointments a full hygiene cleaning is done, as well as a thorough check up by your dentist. Having routine check ups with your dentist allows us to find any problems while they are small and address them right away before they have a chance to turn into larger problems. With most insurance companies, routine maintenance and cavity treatments are often covered at a higher percentage compared to major dental work such as crowns, bridges, dentures, etc. Most of the time, major work is needed when a small problem wasn’t dealt with and left to grow, so catching problems early on is key to making the most of your benefits!
You’ve all heard the saying “Use it or lose it.” Well, the same applies for your benefits! Each year every family member covered on any dental insurance plan has their very own limit to use and if you don’t use it, it is not carried over to the next year. Taking this into consideration when planning any routine or more extensive treatment needing done will help you use the benefits you are entitled to each year and ensuring you have the maximum funds allotted for the following year should you need them.
We know dental insurance policies can be confusing, we can help with that! If you are unsure what your plan entails we can help set you on the right track to deciphering it. We can let you know who to call and even what to ask in order to help you better understand your coverage. Once we are provided with the details of your personal plan we can even help track your coverage to make sure you stay within the limits and are aware of what portion you would need to pay if any for any treatment or preventative maintenance you may need.
The time of year when insurance benefits are resetting is drawing near! Most dental insurance plans go by calendar year, which means your plan likely expires on December 31st, and renews for the new year on January 1st. This means if you have any pending treatment to do, make the most of your benefits and use it up before you lose that money by December 31st. Remember, this is the busiest time of year for us as everyone is trying to get in to make the most of their benefits! Don’t get left out! Book now to save your spot! Remember, help us help you make the most of the dental benefits you are entitled to!