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Indianapolis Dentistry: 317-953-5348
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Insurance Benefits: Use 'em or Lose 'em

September 25, 2012

Make sure you use your dental benefits before the end of the your as most dental insurance plans run on a calendar year. Most insurers give you a certain amount of money each year, if you don't use it all, you lose it. This is called a "yearly maximum" and it is the most money that the dental insurance plan will pay for your dental treatment within one full year. This amount varies by insurance company, but the average is around $1,000 per year, per person. The yearly maximum usually renews every year (on January 1 if your plan is on a calendar year). If you have unused benefits, these will not rollover.

It's not just your yearly maximum that matters though, you need to consider your yearly deductible, which also starts again when your plan rolls over. The deductible is the amount of money that you pay out of pocket before your insurance company will pay for any services. This fee varies based on your insurance plan.

If you have dental insurance, you should be using your benefits. Even if you don’t need any other dental services, you should always have your regular oral hygiene cleanings to help prevent and detect any early signs of tooth decay, gum disease, oral cancer, or other dental problems.

Don't delay important dental treatments as dental problems tend to worsen the longer they go untreated. Many patients need treatment that could have been avoided if they had come in earlier. By delaying dental treatment, you are risking more extensive dental treatment in the future. What may be a simple cavity now, could turn into a root canal later, for example.

If you have any questions about insurance, please do not hesitate to call 317-882-0228 and talk to one our staff. We are insurance friendly and would be happy to work with you to discuss what your insurance plan will cover.