Posted July 9, 2013
If you have dental insurance, are you actively using the plan benefits?
Dental insurance is an important resource to help you take good care of your oral health. But if you’re not using your dental benefits, you may be at increased risk for health problems.
Consider the following ways to get the full value from your dental benefits:
- Take advantage of preventive care services – The majority of dental insurance plans provide at least two checkups each year at no additional cost, which should include professional teeth cleaning and diagnostic services, such as X-rays and an inspection of your teeth, gums, tongue and other oral tissue; dental professionals can identify a range of potential medical problems during this exam
- Avoid serious dental problems – During an exam, dental professionals can monitor your oral health and detect issues that could result in more serious dental problems; for example, a simple cavity could lead to a crown or root canal if not caught and treated at an early stage
- Observe the annual maximum – If dental care is needed throughout the year, it’s important to keep track of the plan’s annual maximum, which is the total amount the insurance carrier will pay for dental care during one full year of service; monitor expenses to ensure you’ll receive the full benefit of your coverage during the 12 months of the plan; the annual maximum amount automatically renews each year
- Get the most for your money – With most dental insurance plans, the monthly premium for individual coverage may be less expensive than a meal at a fast food restaurant; get the most value for your monthly investment by scheduling regular dental exams to check for cavities, gum disease, cancer and other health problems
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