Wednesday, September 23, 2015

Dental Insurance Benefits

How to Maximize Your Dental Benefits
As the year end approaches it's time to think about how to Maximize your Dental Benefits! You probably know that maintaining dental health is an important part of your overall well-being. Studies suggest a connection between gum disease and a variety of serious health problems, including heart disease, stroke, and arthritis. Poor oral health may even affect memory and cognitive skills.
  Maintaining good dental health, prevention cannot be overemphasized. The cost and discomfort of major dental work can largely be avoided with good oral hygiene, regular preventative care, and early diagnosis and treatment.                                                                                 
Steps to Maximizing your dental coverage and minimizing out-of-pocket expenses:                                   
  • Develop good oral hygiene habits   
  • Brush after each meal or at least twice daily
  • Floss at least once daily (don't forget to floss behind back molars)    
  • Use fluoride toothpaste
  • Use an antibacterial mouthwash to help reduce bacteria in the mouth                 
  • Eat a balanced diet with minimal sweets
  • If you chew gum be sure it is sugar-free                                                 
  • Schedule a dental exam and cleaning every six months
  • Immediately schedule your next appointment before you leave dentist office.
  • Understand your benefit options
  • Understand your coinsurance amount
  • Understand your annual deductible amount
  • Understand the number of cleanings covered per year
  • Understand how often X-rays are allowed
  • Understand the annual maximum benefit
  • Maximize End of the year dental benefits before you loose them
Work with your Dentist, most plans have annual maximum, you can make the most of your benefits by working with your dentist to schedule care with that in mind. It's very important, however, not to delay necessary treatment, as the condition will likely worsen and become more expensive to treat.                                                                                                            
Maximize End of the year dental benefits before the calendar rolls over to next year. Most dental insurance plans provide a set amount of benefits each year, and expired on Dec. 31. It's Truly a "Use It Or Lose It"situation. The benefits don't carry over to the next year though. You either use the benefits you've paid for through annual insurance premiums, or you forfeit the benefit you're entitle to under the provisions of your plan.

                          ACT NOW TO MAXIMIZE END OF THE YEAR DENTAL                                                                          BENEFITS BEFORE LOSING THEM ON JANUARY 1st.