{"id":79,"date":"2019-11-14T14:20:00","date_gmt":"2019-11-14T14:20:00","guid":{"rendered":"https:\/\/www.statecollegedentalhealth.com\/blog\/?p=79"},"modified":"2025-07-28T16:07:03","modified_gmt":"2025-07-28T16:07:03","slug":"4-tips-to-help-you-get-the-most-out-of-your-insurance-benefits-before-they-expire","status":"publish","type":"post","link":"https:\/\/www.statecollegedentalhealth.com\/blog\/2019\/11\/14\/4-tips-to-help-you-get-the-most-out-of-your-insurance-benefits-before-they-expire\/","title":{"rendered":"4 Tips to Help You Get the Most Out of Your Insurance Benefits Before They Expire"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.statecollegedentalhealth.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_274289762__1575987661_10670-300x200.jpg\" alt=\"savings jar of money\" class=\"wp-image-80\" srcset=\"https:\/\/www.statecollegedentalhealth.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_274289762__1575987661_10670-300x200.jpg 300w, https:\/\/www.statecollegedentalhealth.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_274289762__1575987661_10670-768x512.jpg 768w, https:\/\/www.statecollegedentalhealth.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_274289762__1575987661_10670.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Most people avoid trying to contact their dental insurance providers because they\u2019re not in the mood to be placed on hold to smooth jazz for 15-minute increments. The thought of having to navigate the fine print of insurance benefits makes people feel stressed, worried, and anxious, and that\u2019s a completely valid reaction. Luckily, with the right cosmetic dentist by your side, they can help you learn more about your coverage so you can <a href=\"https:\/\/www.statecollegedentalhealth.com\/for-patients.html\">maximize your benefits<\/a> before they expire on January 1<sup>st<\/sup>. Read on for four tips to help you get the most out of your monthly investment in dental insurance. <\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Meet or Exceed Your Yearly Maximum<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Each year, your dental insurance provider sets a maximum, or\na capped amount of money that they will pay out for your dental procedures. The\naverage maximum is between $1,000 and $1,500, which means that any amount left\nunused will fall back into the heavy pockets of your insurance company instead\nof being spent on optimizing your oral health. The best way to maximize your\nbenefits is to either meet or exceed your annual capped amount. That way, you\nknow that you\u2019ve done everything you absolutely could to maintain a beautiful\nand healthy smile over the year. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Don\u2019t Leave Small Problems Untreated<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes, it\u2019s easy to be overly optimistic about how problems will work themselves out, especially when it comes to oral symptoms like toothaches and sensitivity. Although you\u2019d like to give them the benefit of the doubt and think of them as a small, temporary inconvenience, that may not be the case. These are also symptoms of serious problems like severe cavities and tooth infections. When they\u2019re not immediately treated and addressed, it often takes more costly and invasive treatments to solve them. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your dental insurance providers typically cover the cost of\nthese treatments based on a 100-80-50 structure, which means that they cover\n100 percent of preventive care, 80 percent of basic treatments like cavity\nfillings, and 50 percent of major procedures such as root canal therapy. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Take Advantage of Preventive Dental Care<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dental insurance companies try their best to reward patients\nwho are proactive about taking care of their mouth and avoiding common oral\nhealth problems. That\u2019s why they cover the cost of two checkups and cleanings\nevery year. If you haven\u2019t used both of these visits yet, the first step to\nmaximizing your benefits is to schedule them. After all, they\u2019re completely covered,\nso what have you got to lose? <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avoid Wasting Your Annual Deductible<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Similar to your annual maximum, you have a deductible which restarts\non January 1<sup>st<\/sup> every year. This is a set amount of fees that you\nhave to pay out of your own pocket before your benefits will kick in and start covering\nthe cost of your dental treatments. When you wait until your plan renews to get\nthe care you need, you\u2019re risking a higher deductible and more money out of your\nown pocket. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have any questions about how your dental insurance\nworks and what procedures are and aren\u2019t covered by your benefits, don\u2019t\nhesitate to speak with your dentist. They can walk you through how to navigate\nyour policy and help you learn everything you need to know in order to maximize\nyour benefits before they restart on January 1<sup>st<\/sup>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>About the Author<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dr. Kevin Labosky believes in providing his patients with\nthe highest quality of dental care possible. He also regularly takes continuing\neducation courses so he can sharpen his skills in a variety of dental focuses,\nincluding preventive, cosmetic, and restorative treatments. As a member of\nseveral professional organizations, he also focuses on staying up-to-date with\nthe latest advancements in his field. For questions about your dental insurance\nor to learn how you can get the most out of it, visit his <a href=\"https:\/\/www.statecollegedentalhealth.com\/contact.html\">website<\/a> or\ncall 814-237-7004.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most people avoid trying to contact their dental insurance providers because they\u2019re not in the mood to be placed on hold to smooth jazz for 15-minute increments. The thought of having to navigate the fine print of insurance benefits makes people feel stressed, worried, and anxious, and that\u2019s a completely valid reaction. Luckily, with the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-79","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cosmetic Dentist in State College | Maximizing Dental Insurance Benefits<\/title>\n<meta name=\"description\" content=\"Have you been getting the most out of your dental insurance policy this year? Visiting your cosmetic dentist can help you maximize your benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.statecollegedentalhealth.com\/blog\/2019\/11\/14\/4-tips-to-help-you-get-the-most-out-of-your-insurance-benefits-before-they-expire\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Cosmetic Dentist in State College | Maximizing Dental Insurance Benefits\" \/>\n<meta name=\"twitter:description\" content=\"Have you been getting the most out of your dental insurance policy this year? 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