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Does your dental insurance really make a difference when it comes to lowering your out of pocket expenses? If you were to ask your dentist, they’d likely tell you that as long as you are using it as you should, it will save you a fortune. Because most insurers design their plans to encourage patients to pursue preventive care, being proactive about your oral health can have you seeing more green in your future. But how is this possible? Read on to learn how you can keep more of your hard-earned dollars in your wallet when you choose to see your local dentist.

The Truth Behind Your Dental Visits

Each time you schedule a regular dental checkup and cleaning with your dentist, you are doing two things:

1. Allowing them to catch early signs of tooth decay, gum disease, and oral cancer, preventing your symptoms from worsening and causing more costly procedures in the future.
2. Receiving the preventive care you need without having to pay much, if anything, out of pocket.

Twice a year dental appointments make it possible for your team to keep your smile free of cavities, gum disease, and bad breath. Not to mention, early detection is key when dealing with oral cancer. Without regular examinations, you could be faced with the reality of needing dental restorations, periodontal therapy, root canals, tooth extractions and replacements, or even cancer treatment.

The truth is that your dentist is your greatest ally in the fight against tooth decay, gum disease, and oral cancer. Their skills, knowledge, and training make it possible for them to catch problems early on and help you avoid more costly treatments in the future. Although it is difficult for many to understand, maintaining your regular dental visits is the most effective way to keep your smile looking and feeling its best while saving you the most money in the long run.

Your Money Hard at Work

If you have dental insurance, you are already paying a premium for access to your benefits. Since you’re making this payment every month, it is in your best interest to use it to your advantage. This means seeing an in-network provider who works with your insurance company. Finding a dentist who has pre-negotiated fees and services will ensure you pay the lowest price for the treatments you receive.

Also, it’s important that you use your benefits before the end of the year because they will expire. So, if you recently learned you need a root canal or tooth extraction, filing on your insurance before December 31 will allow you to use your annual maximum and prevent your insurer from retrieving any unused funds.

But even if you have a remaining balance or complex procedure that requires financing to help you stay within your budget, your dentist likely works with third-party companies that provide low and no interest payment plans.

If you’re uninsured, you might also check with your dental team about any in-office savings program. These often allow patients without insurance to pay one low yearly fee for access to basic dental care and additional discounts on other available services.

Don’t believe the lies that dental care has to be expensive. There are ways to minimize your out of pocket expenses and maintain optimal oral health. If you are unsure how to make the most of your dental insurance plan, don’t hesitate to speak to a member of your dental team today.

About the Author
Combining preventive services with tips to help patients maintain good oral health at home, Dr. Rina Singh knows what can help or hinder a smile. This is why she is always happy to explain why regular dental care is vital not only to improve teeth and gums but also to keep more money in your pocket. She and her team believe dentistry should be affordable for all and are here to help you navigate the financial side of treatment. Whether it is using dental insurance or inquiring about flexible financing, you can contact us at (717) 937-8180 or visit our website to learn how you can save the most money when visiting our dental office.