1. Yearly Maximum
Your yearly maximum is defined as the most money that the dental insurance plan will pay in order for your dental plan to work within one full year. This amount can vary for different insurance companies and is usually renewed every year at the beginning of the year. If you have not used all of these benefits they will not roll over into the new year. Make sure you utilize all of the benefits while they are still active.
The deducible is the amount of money that you must pay to your dentist out of pocket before your insurance company will pay for any services. These fees can vary from one plan to the next depending on which in or out-of-network you choose. Your deductible starts over when your plan rolls over.
If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don’t need any major dental treatments, you should always get routine dental cleanings to help prevent major dental issues and have early detection of cavities, gum disease, oral cancer, etc.
4. Fee Increases
There could be an increase in fees due to dentists raising their rates at the beginning of the year due to a rise in cost of living, materials, and equipment. This in turn can increase their copay, if you need to see a doctor for any reason, you should do it while your current rate and copay remain the same in order to dodge the increase of copay on the doctor's end.
5. Dental Problems Can Worsen
When you delay dental treatment, you are risking more extensive and expensive treatment down the road. What may be a simple fix now, can turn into a more complicated issue later. Often you find that many people ignore and leave dental issues alone until they become worse than the original problem.
For more information on finding or switching to a dental plan that is right for you, contact a Trout Insurance agent today.
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