October 11, 2016
It’s important to use the end of year benefits from your dental insurance. Most dental insurances–whether you pay the premiums or your employer does–cap plan benefits when the calendar year ends. Have you seen your dentist in Fremont, Dr. James Block, to put that money to good use for you and your family?
The Point of Dental Insurance
Individuals and families benefit from dental insurance. The cost of living is definitely on the rise, and people tend to economize in many ways, including reducing health and dental services. Dental insurance assists patients receive important care affordably to keep smiles bright and healthy and avoid more costly and complicated services down the road.
Dr. James Block and his staff urge people to resist the temptation to postpone check-ups and cleanings and to avoid restorative services such as crowns and fillings. You get just one set of teeth, and preventive dentistry, combined with regular brushing and flossing at home, keeps smiles as bright and healthy. Plus, oral health interplays with systemic health. Tooth decay, tooth loss and gum disease affect how the rest of your body functions and how you feel about yourself.
What Services are Covered
If you have dental insurance, or have put money into an FSA (Flexible Spending Account) at work, take advantage of the dental services covered under your policy. While your coverage may pay only a percentage of charges, or mandate that you use “in-network” providers, reimbursement is definitely worth pursuing.
For example, your insurance benefit for a one-surface filling may be $40 while the actual charge from the dentist is $78. This is a savings ($38) over paying out of pocket. Take advantage of it. Typically, dental policies pay at least a portion of specifically covered services such as:
- Cleanings and examinations
- Gum disease therapy
- Endodontics (root canal therapy)
- Dental crowns
- Dental implants
- Full and partial dentures
- Fixed bridgework
- Plastic sealants
- Fluoride treatments
Some policies even cover cosmetic dental services.
Additionally, dental insurance usually features an yearly maximum benefit–$1,500, for example–for each person on the policy. If unused, that benefit expires at year’s end and does not roll over into the next calendar year. Dr. Block urges you not waste this money. Rather, use it to benefit your oral health. It’s the real reason behind dental insurance– to make sure you get routine care rather than catastrophic restorative care.
We Will Help You
Dr. Block’s staff will assist you in understanding your insurance coverage and in maximizing your benefit dollars. For services not covered or for outstanding balances, James Block Dentistry offers Care Credit to make meeting your family’s dental needs easier with smaller monthly payments. We also accept major credit cards.
Contact James Block Dentistry today for your appointment to get your work done. 2017 is just around the corner.
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