Your dental insurance plan gives you a maximum of what you can spend on an annual basis. This amount varies for each insurance plan, but the average is around $1000 per person per year.
Whether your employer covers part of your PPO, HMO or custom plan, your benefits do not roll over to the next year. So any existing dental insurance coverage or flexible spending funds you have remaining will be lost entirely when your insurance expires, usually at the end of the year.
That's why we encourage our Patients to check their remaining benefits themselves or contact us early for an appointment, might just be a routine cleaning and exam – if you have remaining dental benefits it could be ZERO cost to you!
This time of the year we go through our records of unused benefits and call our Patients to let them know they can take advantage of this till December 31st. Most of them need minor work, or they can start a Smile Makeover and use the insurance coverage for part of the payment.
But it's also an option that if your dental health is in good shape and our records and exams don't indicate any problems in the near future - we'll tell you that it might be a waste of money to buy insurance and skip a year. Why? Because chances are you are only going to need 2 routine cleanings next year, and it might be cheaper to pay only for them than pay for insurance all year. We'll be honest with you and the amount of dental work you rally need. Plus most of the cosmetic procedures (and some necessary ones, like Implants) are barely covered by insurance anyway, it makes more sense to use CareCredit for those. So get a procedure that is typically not covered by insurance and make low monthly payments instead of insurance payments.
Every case is different and we need to evaluate the best solution for you, the sooner we do this - the better. Plus we have a raffle to win a 10" Samsung tablet this Holiday season so this is the best time to call 949-425-1447 to make an appointment or visit our website: http://alisoviejodental.com/contact.html
