When it comes to dental insurance, or insurance in general, many of us are quickly baffled. There are so many different types of plans & unfamiliar vocabulary that it often feels like trying to learn a new language. However, there is one important concept about your dental insurance that you should absolutely know, & it can save you money!
There are actually a few sweet spots on the calendar when it comes to getting dental treatments done, & one of them is the beginning of the year. Because your dental benefits don’t roll over from year to year, every New Year you’re granted with a fresh set of benefits. That means no matter how much dental work you had done the previous year, you have new benefits you can use right away this year.
If your dental insurance plan has a deductible (i.e. a total amount you must pay out-of-pocket before the insurance company starts covering your costs), getting treatments completed at the beginning of the year could mean reaching your deductible early. Once you’ve reached your deductible, any treatments you may need later in the year might be covered entirely by your insurance, meaning there will be no out-of-pocket cost for you. By contrast, if you started treatment at the end of the year before reaching your deductible & your follow-up appointments fell in the New Year, you’d be paying some out-of-pocket cost for all of it!
If your dental insurance plan has an out-of-pocket maximum, starting a treatment at the beginning of the year can help you reach that maximum sooner. Once your out-of-pocket maximum has been reached, that may mean that any follow-up appointments you have for your treatment, plus any other treatments or appointments, could be covered 100% by your dental insurance for the rest of year. Also, most dental plans cover your regular teeth cleanings at no cost to you (or a very small co-payment), often regardless of whether you’ve reached your deductible or out-of-pocket maximum. That means no matter what time of year it is, you’re entitled to teeth cleanings for free with your insurance.
Both of these examples demonstrate why the beginning of the year is a great time to get started on dental work that you may have been putting off. Plus, it may be a great way to get started on your new year’s resolution to be healthier!
Oct 29–Nov 4 Join the Day of the Dead Celebration near Northfield in Evanston on Sunday, October 29.