So I was talking to my sister today and she was talking about how she needs some dental work done but feels like its too expensive, especially since she has crappy insurance(her words not mine). She also doesn’t really understand why she needs anything done since nothing is hurting. OK, first off, I will tell you what I told her:
IF IT HURTS, ITS PROBABLY SOMETHING A LOT MORE SERIOUS THAN A CAVITY.(Ie: broken tooth, decay to the nerve, etc).
While I’m sure that what she needs isn’t a lot, what I recommended to her is to get her work done before the end of the year to maximize her benefits.
To what-a-ize her what-a?
Most patients have dental insurance. And, most insurance starts over January 1st. So if you have fillings, crowns, cleanings, sealants, veneers, nightguards, anything relating to the inside of your mouth that needs to be done, now’s the time to call and get scheduled to get it done. At your West Seattle dentist’s office, Areesa will work with you to get you all scheduled before the end of the year.
OK, yes, but why would I want to do all of this again?
OK lets do a hypothetical situation here*. Lets say your insurance has a maximum of $1500 it gives you every year. You had one cleaning already this year in April covered at 100% that cost $200. At your second cleaning in October, also covered at 100% that cost $250 (you had to have x-rays this time) it was discovered that somehow you cracked three of your teeth and now they all need crowns. Uh oh! Dr. Kirchner recommends them getting done right away before they get much worse. We’ll say each crown costs $1000 but luckily your insurance covers crowns at 50%. So if you had all three crowns done at the same time, that would cost your insurance $1500 and you $1500. But wait, what’s this?
Total Maximum: $1500
1st Cleaning: $200
2nd Cleaning: $250
1st Crown: $500
2nd Crown $500
Maximum left: $50.
Yikes! You can’t do all three crowns at the same time. Or rather, you can, but you’d have to pay all of the third crown out of pocket. So, one way to maximize your benefits since it is nearly the end of the year, is to do two of the crowns before December 31st, and then schedule your 3rd crown in January 2013. That way you still get all three crowns done right away and you still get them all covered by your insurance!
Clear as mud? Great! Contact Areesa and she’ll lay everything straight for you!
*The prices and percentages in the example are purely fictional and do not reflect Dr. Kirchner’s prices or any particular insurance’s coverage percentages or maximums
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