Another year is upon us! Did you know that goals related to a healthy lifestyle — such as eating better and exercising more — consistently rank among the top new year resolutions? Considering the connection between oral health and overall wellness, taking care of your child’s smile fits right into the mix. And while some resolutions can be hard to stick with, prioritizing your child’s dental care is very easy to do. This is because dental insurance benefits typically reset at the beginning of the year, making room for your child to get preventative care and any needed dental treatment at a more accessible price.
Preventative Care
While plans vary, most dental insurance providers cover preventative care in full. As Cigna explains on their website, this most often includes two cleanings and checkups, along with routine X-rays. Keeping up with routine preventative care lowers your child’s risk of gum disease and helps detect any problematic issues early. This can prevent more serious — and costly — problems from developing down the road.
Annual Maximum
Delta Dental explains that an annual maximum is the most a dental insurance provider will pay toward your family’s dental work in a given benefit year. This amount can vary depending on the type of plan you have. At the beginning of a new benefit year, your annual maximum resets, so the entire amount is available again. For most plans, this amount is always the same, regardless of how much of it you used in the previous benefit year. Any unused funds do not roll over, so it’s a good idea to take full advantage of them.
It’s important to note that even if the entire amount of your maximum allowance is available, there may still be a cost associated with treatment. The amount you owe will depend on the type of insurance plan you have, the type of treatment you receive, and the maximum allowance amount. More information about how private dental insurance works can be found here. It’s always a good idea to get more information from your insurance provider so you are fully informed about what your plan covers and whether you are responsible for a patient portion and/or a deductible.
No dental insurance? You can still save!
For patients without insurance, savings are still possible for the entire family with our Smiles360 Dental Savings Club. Those who purchase an annual membership fee receive preventative care at no additional costs, along with generous discounts on a variety of treatments.
Contact Us Today
Make oral health a priority in 2022! If you have any questions about treatment options available or would like to make an appointment for your child, contact us any time.
