Dental care is a necessity for everyone, whether they have dental insurance or not. Fortunately, there are strategies anyone can use to make having good oral health affordable. For those of you with dental insurance, you’ll be interested in the results of a recent study by the American Dental Association: The average annual benefit is $1,250 per person, but most people only get an average of $323 of dental work each year. That’s over $900 that many people miss out on each year! Since it’s a “use it or lose it” situation, it only makes sense to maximize your benefits as much as possible – otherwise, you’re essentially passing up free money. And if you’re one of the millions of Americans who don’t have dental insurance, you’ll be glad to know there are still ways to make getting the care you need affordable. Keep reading to learn more!
How Can You Get the Most Out of Your Insurance Plan?
To maximize your benefits, the first step is to find out when your plan will renew. Most plans start in January and end in December, but there are some that start and end on a fiscal calendar year.
And since there are hundreds (if not thousands) of insurance plans out there, it’s important to always check your individual plan to see what it covers. Having said that, most plans cover preventive procedures like cleanings, X-rays and exams at 100%, while more extensive procedures like fillings, crowns, root canals and bridges are typically covered at 40%-90%.
Also, before having any dental procedure done, you can always ask your dentist to file a preauthorization beforehand. This formal estimate from your insurance company will give you a breakdown of the coverage they’ll provide.
One more tip: don’t forget to schedule any necessary dental work sooner rather than later, as your dentist’s schedule will likely fill up as it gets closer to January.
Remember, you may as well use the amount of money set aside for you each year to achieve great oral health and a beautiful smile (at a greatly reduced cost to you). If you don’t use it, you lose it!
What If You Don’t Have Insurance?
If you’re one of the many people who doesn’t have dental insurance, don’t despair. You can still affordably get care from the best dentist in McLean by using a financing option such as CareCredit.
With CareCredit, you can make payments for 6, 12, 18 or 24 months without any interest, as long as the bill is paid in full in the agreed upon time.
Getting the dental work you need is crucial for having healthy teeth and a great smile. With these tips and tricks, you can get the care you need – without breaking the bank!
About the Author
Dr. Fred Farahi wants to help every patient have a healthy smile, regardless of whether they have insurance or not. That’s why he and his staff make every effort to help their patients navigate their insurance plans or enroll in CareCredit to make payments. If you have any other questions, he can be reached via his website or at (703) 821-1633.