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Why Now Is the Perfect Time to Use Your Dental Insurance

October 22, 2019

Filed under: Uncategorized — cstonedentalfargo @ 5:33 pm
tooth in one hand, money in the other

Did you know that going to the dentist twice a year can actually save you money? That’s right, even though it sounds counterintuitive, it’s true. Your dental insurance typically covers two checkups and cleanings a year with your family dentist in Fargo. By attending these visits, you can use your dental benefits and save money in the long run. Keep reading to learn how.

Meet Your Yearly Maximum

Your yearly maximum is the highest amount of money that your dental insurance will pay for your dental work within a full year. For the average person, this is more than enough for your two annual checkups and cleanings, and even might be enough for some simple restorative procedures, like fillings. Since the yearly maximum benefits do not roll over when they reset every January 1, it’s a good idea to go ahead and use them now while you can.

You’re Already Paying Your Premiums

If you’re already paying your dental insurance premiums every month, you should definitely be using your benefits. After all, why pay for something you’re not going to use? Even if you don’t think you have any dental problems, it never hurts to get a checkup to make sure everything is going swimmingly. Regular cleanings also make your teeth nice and polished.

Avoid Fee Increases

Some dentists subtly raise their rates at the beginning of the year to pay for new equipment, membership fees, and other things. For this reason, your copay might be higher at appointments in the new year. You can avoid this by booking your checkup before the end of the year. That way, you won’t be due for your next one until midway through the year, when your dentist’s rates will have likely gone down again.

Dental Problems Might Get Worse

Most dental insurance coverage is about preventing problems before they arise. That’s why regular checkups often come at little or no cost to you. If you avoid going to the dentist, you risk small dental problems getting worse. For example, a tiny cavity might only require a minor filling if caught early enough at your checkup. If you were to wait longer, however, it might necessitate a root canal or extraction, more expensive and time-consuming procedures. Save time and money by attending your checkups.

Your dentist in Fargo is in-network with Delta Dental and accepts all major insurance plans. Because of this, there’s no excuse to not see them before the end of the year and reap your insurance benefits.

About the Author

Dr. Stacy Goodwill has been a dentist in Fargo for more than 20 years now, some of which were spent as a U.S. Army medic. She earned her Doctor of Dental Surgery degree from the University of Nebraska College of Dentistry. She has also achieved a Fellowship with the International Dental Implant Association. To book your checkup before the end of the year, contact her office here or call (701) 237-3583.

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