Maximizing Dental Insurance

Hicksville, NY – Maximizing Dental Insurance

As the calendar turns to November, many people are throwing money away and unfortunately, they don’t even know it!! Many people have invested hard earned income to obtain dental coverage through insurance and do not utilize this benefit. Unlike medical insurance, dental insurance has yearly maximums and these benefits are lost if not used within that year. They do not roll over or accumulate in the following year.

Although yearly maximums don’t reflect the true value of present day dollars and have not been increased due to inflationary rises and general dental cost increases, there is still significant benefit that is being wasted. Yearly maximums range from $1000 to $2000 and a deductible of $50 to $100 is applied to non-preventive procedures.

In order to maximize your use of dental insurance, you really need to know what your dental coverage is. You need to know the coverage percentages for the different types of dental procedures. You need to know if there is any waiting period for having the treatment done. You need to know how frequently procedures can be done. All of this information should be in the booklet provided by your employer or you can ask our Hicksville dental office if you have any questions about your coverage.

The good news is, IT’S NOT TOO LATE!!

By scheduling an appointment in our modern Hicksville office, we can evaluate your oral health with a thorough oral evaluation, x-rays and prophylaxis. We can help you maximize your benefits by determining what procedures need to be done and how we can get the most benefit from your insurance before the end of the year. If you need extensive work, we can plan your treatment so that work can be completed in the beginning of 2010 thus utilizing 2 years of benefits. Also, you can coordinate your contribution to your 2010 flexible spending account to cover deductibles and out of pocket expenses. These contributions when used are pretax deductions.

Time is running out! Be proactive, make an appointment and maximize your dental benefits. Remember small problems usually are taken care of with small solutions, and larger problems require bigger and more costly solutions. If you have any questions, please contact us at www.drphildds.com.