While no parent wants to hear that their child needs restorative care, using available coverage from your dental insurance can ease the financial pain that will ultimately put their oral health on the right track. If you want to make sure your little one’s teeth and gums are in the best possible shape before entering the new year, consider how maximizing your dental benefits can help.
Stay On Top of Their Preventive Care
While it’s true that not all dental insurance plans are the same, most offer the most coverage for preventive services. Why? Because your insurance company views twice-yearly checkups and cleanings positively. They will likely cover 100% of these visits, and staying on top of preventive care reduces the chances they will need to pay more for restorative treatment.
When you schedule your child’s regular appointments, dentists can catch problems early that might otherwise require fillings, crowns, or even tooth extractions. This saves your insurance from paying more over time and keeps your child’s teeth and gums healthier throughout the year.
Don’t Wait to Proceed With Restorative Treatment
A cavity can form for many reasons. An accident can cause your child to lose or break a tooth. Whatever the reason, restorative care may be necessary. If so, don’t wait to start treatment. If you’re wondering why, it’s because waiting until next year will cost you more money. How? You’ll be required to meet your deductible again. This may not be much, but it’s money you don’t have to spend if you start treatment now.
If your child needs a dental filling, crown, pulp treatment, or tooth extraction, let the insurance company pay its portion (50-80%), so your out-of-pocket costs remain low. This approach keeps more money in your pocket and better protects your child’s smile from reinfection or additional damage.
Your Dental Benefits Will Not Roll Over
They say all good things must come to an end, and it’s certainly true about your dental insurance benefits. These plans are often only good for one year, and remaining funds will not roll over. Instead, on January 1, your annual deductible will reset to $0, and you’ll need to meet it before your insurance pays more for your child’s care.
If your child needs any necessary treatments before the end of the year, schedule them before then to maximize your annual benefits.
If you’re unsure whether you’re using your dental insurance most effectively for your child’s oral health, ask their dentist. They can explain additional ways to save while also supporting your child’s smile.
About the Author
Dr. Ramu Vuppala earned his dental doctorate from the University of the Pacific Arthur A. Dugoni School of Dentistry. Passionate about working with young patients, he provides safe, attentive oral healthcare for infants, toddlers, children, and teenagers. If you’re looking for ways to maximize their dental coverage before the end of the year, visit our website or call (432) 520-5437 to schedule an appointment. We’ll explain how to improve their smile and get the most out of your available benefits.