How to Get the Most Out of Your Dental Insurance

Hey there!

Let’s talk about something that might not be the most exciting topic, but trust me—it can save you money and help you keep that smile healthy: dental insurance.

Every year, I see patients lose out on hundreds—even thousands—of dollars in unused dental benefits. If you’re paying for dental insurance, let’s make sure you’re getting your money’s worth. Here are some smart tips straight from the dentist’s chair:

1. Know Your Benefits

Every plan is different. Some cover 100% of cleanings, others don’t. Some cover two exams per year, some one. Know your coverage breakdown—what’s included, what percentage is covered, and if you have a deductible or annual maximum (that’s the cap on what your insurance will pay each year).

Pro tip: We can often help check your benefits for you! Just ask.

2. Use Your Free Cleanings and Exams

Most dental plans cover two cleanings and exams per year. That’s preventive care you’ve already paid for—don’t let it go to waste! These visits help catch issues early, so you avoid bigger, costlier problems down the line.

3. Don’t Wait Until December

I get it—life gets busy. But every year, December becomes a mad dash of patients trying to squeeze in treatment before their benefits expire. Beat the rush and plan early. If you need a filling, crown, or other work, spacing it out during the year can be easier on your wallet and your calendar.

4. Plan Treatment Strategically

If you need multiple procedures and your plan has an annual maximum (like $1,500 per year), ask us if it makes sense to split your treatment between two benefit years—for example, start a crown in December and finish it in January. That way, you can use up this year’s benefits and tap into next year’s.

5. Use Your FSA or HSA Funds

Got a Flexible Spending Account (FSA) or Health Savings Account (HSA)? You can often use those pre-tax dollars for dental treatments like cleanings, fillings, crowns, nightguards, and even braces. Just make sure you know when those funds expire.

6. Know What’s Not Covered

Some plans don’t cover cosmetic procedures like whitening or veneers. Others may have waiting periods for major treatments. If you’re not sure what your plan covers, bring us your insurance info—we’ll help decode it.

7. Ask About In-Network vs. Out-of-Network

Going to an in-network dentist can lower your out-of-pocket costs, but many out-of-network offices will still help maximize your benefits and submit claims for you. It’s worth asking us how we work with your plan.

8. Prevent Problems = Save Money

Honestly, the best way to get the most out of your insurance is to stay healthy. Regular cleanings, brushing, flossing, and using your preventive benefits can help avoid the need for major dental work—and that saves you both money and stress.

Bottom Line?
Dental insurance is a use-it-or-lose-it situation. Don’t let your hard-earned benefits go to waste. If you’re not sure what’s covered or what treatment makes sense for your budget, we’re happy to sit down, review your plan, and map out a game plan.

Got questions or want to book your next visit? Give us a call—we love seeing you, and your smile deserves the best care all year long.

See you in the chair (hopefully before December rush!),
Dr. Vainer, your friendly neighborhood dentist 😊