It’s easy to put things off during the holiday season and pick them back for your New Year’s Resolution.
The end-of-year holiday scramble can be a hard time to get anything done, but sometimes you have to grit your teeth and get on with it, especially when it comes to your teeth.
With the holiday season on the horizon, your teeth are probably getting more than their fair share of sweet and savory food. No one wants to spend the holidays getting their teeth cleaned, but the end of the year can be a terrific time to take care of your dental needs.
Making a December appointment at the dentist can help you take full advantage of your insurance coverage and schedule.
Most dental insurance plans allot you a set amount per year for necessary dental work, and they typically use the yearly calendar for coverage dates, rather than the date you signed up for coverage. The saying “If you don’t use it, you lose it,” doesn’t apply to many things, but it certainly affects your insurance premiums and payments.
If you need more extensive dental work, like a root canal or dental implants, making your first appointment in December can help you save a lot of money by spreading your costs over two years of coverage, rather than just one.
Let’s say your insurance company gave you $1,500 of coverage each year. Depending on what procedures you’ve already had, you will have a certain balance of coverage left. So, let’s say you have $800 left and you have two teeth that need a root canal, each of which may cost up to $1000. You can spread the cost of the procedures by taking care of one root canal in December, and the other one in the following year. The first root canal will be paid off with your remaining coverage balance, and the second root canal will be paid for with the new balance the following year.
Things to Consider
- There are many preventative procedures that can help you safeguard your dental health, and most are fully covered by insurance. An ounce of prevention is worth a pound of cure, so be proactive about your dental health.
- Find out your yearly maximum coverage before you make an appointment. Your coverage won’t roll over to next year, but if you’re close to your maximum, you don’t want to be left with a big bill.
- If you’ve met your deductible, make an appointment for procedures that will be fully covered by your insurance. Don’t let your premiums go to waste.
Many procedures can take a few weeks to finish and recover from, so it is important to consider your insurance coverage as you plan for things like wisdom teeth extraction, crowns or dental implants.
You pay dental insurance premiums throughout the year to cover emergencies and important work, so don’t let your coverage go to waste just because it can be difficult to find time during the holidays to visit the dentist.
Rainier Fuclan is a freelance writer for Nashua Dentistry, a cosmetic & restorative dentistry that specialize in procedures such as Nashua dental implants, teeth whitening, & Invisalign.