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Four Ways to Make the Most of Your Dental Insurance Benefits

October 5, 2022

Filed under: Uncategorized — lapalcodental @ 7:12 pm
Woman holding a piggy bank and pointing towards her smile.

Dental insurance is one of the wisest ways you can protect your smile; however, if you aren’t taking full advantage of your benefits, you’re missing out! That said, this is usually easier said than done; amidst all of the paperwork to fill out and appointments to schedule, it can sometimes be tough to get the most out of your coverage. Here are some tips from your dentist to help you maximize your dental insurance benefits in Marrero.

1. Seek Regular Preventive Care

You should visit your dentist biannually for preventive care; not only do these visits play a role in maintaining your oral health, but they’re also often covered by most insurance plans! These routine visits give your dentist the opportunity to inspect your mouth for any undetected issues, and it also allows them to thoroughly clean your teeth at a level you cannot do yourself! In the long run, these visits can also save you a great deal of money by actively preventing serious and costly oral health issues. Be sure to attend all of your routine visits before the year ends and your benefits expire!

2. Know the Details of Your Benefits

Most standard dental insurance plans operate around a calendar-year basis, which means that at the beginning of the year, you’re given an annual maximum that will carry through the end of the year. This figure is the most that your plan will pay for approved services and visits, and anything leftover at the end of the year expires without rolling over to the next. Typically, preventive and restorative care is covered by most plans, as things like damaged teeth or gum disease can pose certain health risks. However, it’s important to know what the specifics of your plan are so that you’re absolutely certain about what you can afford in terms of out-of-pocket costs.

3. Schedule Major Dental Work Accordingly

There are some dental procedures that take multiple visits to fully complete, but even still, it’s important to schedule these appointments while you’re covered. If you need a certain treatment that exceeds your annual maximum, you can also consider scheduling part of it for the following calendar year. This way, you’re taking advantage of two separate annual maximums rather than just one! Your dentist and their team will also be able to work with you to ensure that you’re taking advantage of what your plan offers.

4. Take Advantage of Your Flexible Spending Account (If You Have One)

Some employers offer flexible spending accounts (FSA) that you’re able to use in tandem with your dental insurance, but you must be sure to use your remaining dollars by the end of the year. With an FSA, you can reduce your taxable income and put more money aside for things like healthcare expenses. This gives you more control over your home budget so you can better plan for expenses such as dental work.

Your smile is an investment; taking advantage of your dental insurance benefits to the fullest will ensure that your pearly whites are healthy and bright for life!

About the Practice

The team at Lapalco Family Dental is honored to serve the dental needs of the Marrero community under the leadership of Dr. C.J. Landry and Dr. Samir Hamdan. Their practice is pleased to offer a wide range of services including preventive, cosmetic, and restorative options. If you have any questions about how to make the most of your insurance benefits, don’t hesitate to contact the practice online or over the phone for assistance: (504) 784-6554.

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