The end of the calendar year is quickly approaching. If your little one is covered under your plan, you may be wondering how you can get the most out of it and avoid losing money that will otherwise be returned to the insurance company. Keep reading to discover a few simple ways to maximize your dental insurance before December 31.
Schedule a Six-Month Checkup and Cleaning
Not all dental insurance plans are the same, so reviewing the details beforehand is important. However, many companies agree to cover 80-100% of the total cost of preventive care. This is why it is important to schedule your child’s six-month dental checkups and cleanings before the end of the year.
These biannual visits allow your child’s dentist to evaluate their teeth, gums, and bite and provide helpful recommendations for additional treatment (if necessary). It also gives hygienists a chance to clear away built-up plaque and tartar, so their teeth and gums remain healthy between appointments.
All of this can be possible at little or no cost to you.
Pursue Restorative Treatment if Recommended
If your child’s pediatric dentist recommends restorative treatment or more complex care before the end of the year, do not put it off. Instead, if the deductible has been met, you will save even more by planning your child’s next appointment before December 31.
Depending on your plan, your insurance company may agree to cover 50-80% of the total cost of restorative care. Whether it’s a dental filling, dental crown, pulp treatment, tooth extraction, etc., pursuing these services before the end of the year will keep you from having to meet your deductible again in 2026 before your child undergoes essential treatment.
Inquire About Additional Services
If you are staying on top of your child’s biannual visits, don’t be afraid to ask their dentist about additional services that can better safeguard their smile or put them on an earlier track to a healthier set of teeth.
Fluoride treatment, dental sealants, and customized mouthguards can help minimize potential toothaches, dental decay, and oral emergencies. Better yet, you can save more while also protecting your child’s smile against future injuries and discomfort.
Don’t let your little one’s dental benefits go unused. Ask about the most effective ways to save so that you keep more money in your wallet, and your child continues to enjoy life with a healthier, happier smile.
About the Author
Dr. Homer Sedighi is a board-certified pediatric dentist who wants to help all patients save on essential oral healthcare. Although your child may be covered under your dental insurance plan, he and our team can help you identify the most effective way to boost your little one’s smile and overall health while making sure you pay less at each visit. Contact us at (636) 777-7777 to schedule an appointment or to speak to a member of our team for additional insurance guidance.