One of the least-used benefits that employers provide to their workers is a dental insurance policy. Annual benefits of $500.00 to $2000.00 frequently go to waste for the simple reason that many people simply “don’t go” to the dentist on a regular basis. By failing to use your dental benefits you are actually GIVING AWAY income that you have earned. Who benefits by you NOT using your dental benefits: 1. The Insurance Company: because you are not using the benefits you have coming to you; and 2. Your Employer: because those dental benefits that “HR” negotiated for you ISN’T being paid to you in the form of additional salary.
People still dwell under the mis-conception that if a required dental procedure isn’t “paid for” under their dental insurance policy that the work isn’t necessary. Nothing could be farther from the truth. If you think of your dental benefits as a “Gift Card” to help you pay for needed services, you will be on the right track of thinking when it comes to your dental insurance policy.
Start by reading the contract you have with the dental insurance company. Dental insurance companies are in business for one reason, and that reason is NOT to help you pay for dental services; instead, dental insurance companies exist to make money for their share-holders. Therefore, it is in the insurance company’s best interest for you to NOT use your dental benefits. If you have any questions about your dental insurance policy talk to your employer’s benefits coordinator.
Patients try to rely on dental office staff to interpret their dental benefits for them. With literally hundreds of thousands of dental plans currently in use it is not reasonable to expect dental office staff to be familiar with the intricacies of every policy. The best way for you to maximize your benefits is to know the coverage limits of your own policy. The information is only a phone call away. The Customer Service number for your dental policy is usually on the back of your insurance card. If you don’t have a card or don’t know where to find the Customer Services phone number, give us a call (413-786-0555) we may have it!
By knowing what is covered and what is not, you can get the treatment you need without any unpleasant surprises when discussion regarding your out-of-pocket costs happen.
Most of all, remember: use it or lose it. You would not be OK with your employer withholding $2000.00 a year out of your paycheck. Don’t give that money away to the dental insurance company. You worked hard for those benefits, they are yours to use.