The end of the year means many things. Pretty soon the whole town is going to look more festive, and the weather is going to slowly turn cold. Amidst all of it, your favorite part is that your child is going to come home from college. They always seem so much more grown-up after each semester. You want to make the most of your time with them, but did you know that you could save thousands of dollars if they visit your family dentist in Carmel before the end of the year?
How Does That Work?
It all comes down to how dental insurance works. Nearly 60% of the country has dental insurance, but they lose out on hundreds of billions of dollars in benefits each year.
This is because many plans work by covering people up to a certain dollar amount of care each year. This amount resets on January 1st and does not rollover. Any unused money simply goes back to the insurance provider. How much money is this?
The average amount of coverage is $1,500, but most people only spend about $150 a year on dental care. That means 90% is simply lost. You probably spend more on your premium. Once January 1st rolls around, you will have to pay your deductible again before you can have access to your benefits. This means you might have to pay for the care you easily could have had covered simply because you waited.
This is a loss not only in dollars but in important care as well.
What You Are Missing
Dental insurance is intended to help prevent problems before they start, and this is why most plans cover standard preventive care like check-ups and cleanings 100%. They also tend to cover a large portion of many restorative procedures, as much as 70%.
When you or your child miss out on cleaning, there is an increased risk of tooth decay. This is because your teeth have many hard to reach surfaces you simply can’t clean with standard brushing and flossing. A professional cleaning from Dr. Kristoff is able to address these problem areas and protect you from cavities.
Standard check-ups are also a significant part of your oral health routine. They give your dentist in Carmel the chance to catch any dental issues you might have early. This will enable him to use conservative treatments, as opposed to expensive restorative procedures that could lead you to pay out-of-pocket costs.
Want to Know More?
While your child has time off, this is the perfect time of year for them to take care of their teeth. Not only will it help them be healthy for the holidays, but it could also save you thousands of dollars. You should take care of yourself as well because nothing can ruin the holidays like an unforeseen dental issue that prevents you from eating your holiday favorites.
Now is the time to use all of those benefits you have paid for before they are lost. We are in-network with most PPO plans, and will even file your claim if we are not. We will make it as easy as possible for you to get the essential dental care that you need, so don’t hesitate to call us today.