{"id":323,"date":"2019-10-13T00:34:29","date_gmt":"2019-10-13T00:34:29","guid":{"rendered":"https:\/\/www.parkerdentalandortho.com\/blog\/?p=323"},"modified":"2019-11-13T00:44:29","modified_gmt":"2019-11-13T00:44:29","slug":"do-insurance-benefits-roll-over-or-expire-find-out-here","status":"publish","type":"post","link":"https:\/\/www.parkerdentalandortho.com\/blog\/do-insurance-benefits-roll-over-or-expire-find-out-here\/","title":{"rendered":"Do Insurance Benefits Roll Over or Expire? Find Out Here"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.parkerdentalandortho.com\/blog\/wp-content\/uploads\/2019\/11\/rsz_adobestock_297170426-300x200.jpg\" alt=\"Page turning from 2019 to 2020\" class=\"wp-image-324\" srcset=\"https:\/\/www.parkerdentalandortho.com\/blog\/wp-content\/uploads\/2019\/11\/rsz_adobestock_297170426-300x200.jpg 300w, https:\/\/www.parkerdentalandortho.com\/blog\/wp-content\/uploads\/2019\/11\/rsz_adobestock_297170426-768x512.jpg 768w, https:\/\/www.parkerdentalandortho.com\/blog\/wp-content\/uploads\/2019\/11\/rsz_adobestock_297170426-1024x683.jpg 1024w, https:\/\/www.parkerdentalandortho.com\/blog\/wp-content\/uploads\/2019\/11\/rsz_adobestock_297170426.jpg 1501w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p>This New Year\u2019s Eve, will you be toasting to health and\nhappiness for the year ahead? Both will be better ensured if you take advantage\nof your <a href=\"https:\/\/www.parkerdentalandortho.com\/dental-insurance.html\">dental\ninsurance<\/a> benefits now, before the clock strikes midnight on December 31<sup>st<\/sup>.\nOnce the calendar turns over, any remaining benefits \u2013 the benefits you\u2019ve\nalready paid for \u2013 will likely expire! Don\u2019t want to let your benefits go to\nwaste? Here are some key facts from a dentist in Mobile, AL on how dental\ninsurance works. &nbsp;&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">What Does Dental Insurance Cover? <\/h2>\n\n\n\n<p>Dental insurance plans are designed to reduce patients\u2019 overall\ndental care costs. While the details often vary, most insurance plans provide\nsome combination of the following coverage:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>100%<\/strong> coverage\nfor preventive care, such as biannual checkups, X-rays and professional\ncleanings<\/li><li><strong>70%-80%<\/strong>\ncoverage for basic services, such as fillings and simple extractions<\/li><li><strong>50%<\/strong> coverage\nfor major restorative care, such as root canals, crowns, bridges and dentures<\/li><\/ul>\n\n\n\n<p>As you can see, scheduling a dental checkup before the end of the year will help keep your smile in great shape and likely cost you $0 out-of-pocket. The American Dental Association recommends visiting a dentist twice a year to maintain a healthy smile and prevent minor problems from going untreated. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Use It or Lose It<\/h2>\n\n\n\n<p>According to the National Association of Dental Plans, less\nthan 3% of people with PPO dental plans typically reach or exceed their plans\u2019\nannual maximum. An annual maximum is the total amount of money a dental\ninsurance provider will pay for a member\u2019s dental care within one year. <\/p>\n\n\n\n<p>Not reaching this annual limit is essentially like leaving\nmoney on the table, as any unused benefits typically expire at the end of the calendar\nyear. So, have you maxed out your 2019 dental insurance benefits? Whether you\nhave $50 or $500 left on your annual maximum, avoid losing the benefits you\nhave already paid for by scheduling dental treatment before the year\u2019s end. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New Year, New Plan? <\/h2>\n\n\n\n<p>A common phrase heard in early January is \u201cnew year, new me.\u201d However, \u201cnew year, new dental insurance plan\u201d also applies to many individuals. Compared to medical insurance, dental insurance policies change much more frequently, with new premiums, deductibles and benefits most often being applied at the beginning of the year. If you like your current coverage, this is yet another reason to take advantage of it before the end of the year. Waiting until 2020 to start dental treatment could end up costing you more if your insurance plan significantly changes. <\/p>\n\n\n\n<p>Maximize your remaining 2019 dental insurance benefits to boost your oral health and protect your wallet. Talk to a dentist in Mobile, AL for assistance in navigating the particulars of your dental insurance plan. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Author<\/h2>\n\n\n\n<p>Dr. Hube Parker has over 25 years\nof experience providing quality dental care in Mobile, AL and surrounding\ncommunities. He believes visiting the dentist should be affordable for every\nfamily, which is why his practice, Parker Dental &amp; Orthodontics, is in-network\nwith a large number of popular insurance policies. Patients who wish to know\nmore about how to maximize their insurance benefits can visit Dr. Parker\u2019s <a href=\"https:\/\/www.parkerdentalandortho.com\/locations.html\">website<\/a> or call <a href=\"https:\/\/www.google.com\/search?q=parker%20dental%20and%20orthodontics&amp;oq=parker+dental+and+ortho&amp;aqs=chrome.0.0j69i57j69i60l3j0.7411j0j7&amp;sourceid=chrome&amp;ie=UTF-8&amp;npsic=0&amp;rflfq=1&amp;rlha=0&amp;rllag=30598009,-88434588,26981&amp;tbm=lcl&amp;rldimm=16662799962611537165&amp;lqi=Ch5wYXJrZXIgZGVudGFsIGFuZCBvcnRob2RvbnRpY3MiA4gBAVogCh5wYXJrZXIgZGVudGFsIGFuZCBvcnRob2RvbnRpY3M&amp;ved=2ahUKEwjezN_n2b7gAhWBL1AKHT-_BHUQvS4wAXoECAEQHQ&amp;rldoc=1&amp;tbs=lrf:!2m1!1e3!2m1!1e16!3sIAE,lf:1,lf_ui:4\">251-634-2341<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This New Year\u2019s Eve, will you be toasting to health and happiness for the year ahead? Both will be better ensured if you take advantage of your dental insurance benefits now, before the clock strikes midnight on December 31st. Once the calendar turns over, any remaining benefits \u2013 the benefits you\u2019ve already paid for \u2013 [&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-323","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Do Insurance Benefits Roll Over or Expire? Find Out Here<\/title>\n<meta name=\"description\" content=\"Did you know most dental insurance benefits vanish at the end of the year? Discover more key facts about your dental insurance from a dentist in Mobile, AL.\" \/>\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.parkerdentalandortho.com\/blog\/do-insurance-benefits-roll-over-or-expire-find-out-here\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do Insurance Benefits Roll Over or Expire? Find Out Here\" \/>\n<meta property=\"og:description\" content=\"Did you know most dental insurance benefits vanish at the end of the year? Discover more key facts about your dental insurance from a dentist in Mobile, AL.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.parkerdentalandortho.com\/blog\/do-insurance-benefits-roll-over-or-expire-find-out-here\/\" \/>\n<meta property=\"og:site_name\" content=\"Parker Dental &amp; Orthodontics Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-13T00:34:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-11-13T00:44:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.parkerdentalandortho.com\/blog\/wp-content\/uploads\/2019\/11\/rsz_adobestock_297170426-300x200.jpg\" \/>\n<meta name=\"author\" content=\"parkerdental\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"parkerdental\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.parkerdentalandortho.com\\\/blog\\\/do-insurance-benefits-roll-over-or-expire-find-out-here\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.parkerdentalandortho.com\\\/blog\\\/do-insurance-benefits-roll-over-or-expire-find-out-here\\\/\"},\"author\":{\"name\":\"parkerdental\",\"@id\":\"https:\\\/\\\/www.parkerdentalandortho.com\\\/blog\\\/#\\\/schema\\\/person\\\/a5ef1dd71655a80e127f281d4e99d9d5\"},\"headline\":\"Do Insurance Benefits Roll Over or Expire? 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