It helps to have dental insurance. Dental insurance can cover many of the costs of routine dental care, including teeth cleaning, filling cavities, and more. Without dental insurance, all of those payments would be out of pocket, in addition to the costs of any emergency dental work.
You may know that you need dental insurance. But you may not know that you can actually manage your benefits yourself, and if you want to both make the most of your benefits and make sure you don’t go over your maximum, it is always a good idea to stay up to date with your dental limits.
Managing Your Benefit Responsibilities
There are many services in dental care that are “free.” Regular dental cleanings, for example, often cost nothing out of pocket. But these services are not actually free. They are simply built in to your maximum yearly allowance with little to no copayment.
As a Folsom dental care provider, when we provide you with dental services, we send the service to your insurance and they send us back the costs from your dental benefits. When we refer you out to another provider for other services, such as wisdom tooth removal or a root canal, those providers bill against the same dental benefits.
Throughout the year, it is important that you keep track of the amount you have available from your insurance. This allows you to:
- Track Remaining Allowance – As a provider, we can’t always tell you how much you have left in your account for the year, nor can we see what other procedures you’ve had completed. If you know how much you have left, you won’t receive any unexpected billings.
- Know When to Use Them – Dental benefits are “use them or lose them.” Every year they reset on nearly every insurance plan. If the end of the year is coming up and you find you still have quite a bit remaining, it may be a good idea to see if you need any dental care and try to use them.
These dental benefits belong to you. While we can provide curtesy calls and try to find out what you have remaining, most dental insurances won’t share that information. But they will let you view your own dental benefits. Call your dental insurer, find out your subscriber information, and monitor your dental benefits throughout the year so that you can use them all up correctly, and avoid any unforeseen expenses.