Maximize Your Dental Insurance Coverage with These 5 Easy Tips

You pay every month for your dental insurance, so of course you want to get something back for your investment! Rather than viewing your policy as a safety net if your smile ever needs major work, you can regard it as an ongoing protection against major oral health expenses. How can you get the greatest value out of it? Continue reading this blog post to discover five easy and practical tips.

Attend 2 Preventive Appointments Each Year

Dental insurance policies typically cover two preventive appointments every year — often at no out-of-pocket cost to the patient. These visits give your dentist an opportunity to diagnose potential issues and provide cleanings that will help you avoid costly treatments in the future. If you have not yet had your second cleaning and exam of 2025, now is the time to get it on the books!

Remember That Benefits Do Not Roll Over Every Year

Dental insurance benefits usually reset at the end of every calendar year. If you do not use your allotted coverage before December 31, you lose those benefits and cannot reclaim them. Take a moment to review your coverage and figure out how much of your annual benefits maximum is still available to you. Depending on what you have left, now may be the ideal time to schedule any necessary restorative procedures.

Strategically Plan Major Procedures

Major dental procedures such as crowns, bridges, and root canal therapy often require more than one visit. Speak with your dentist about scheduling these treatments so you can use your coverage efficiently. For example, you might be able to split procedures between two calendar years to access two annual maximums instead of just one.

Consider Choosing an In-Network Dentist

Selecting a dentist who participates in your insurance plan’s network may help you get more out of your coverage. In-network providers offer negotiated rates that may lower your costs and simplify billing. (Of course, it is not always best to stay in-network. High-quality care is the most important thing, so even if your preferred dentist is out of your network, it would be better to stick with them.)

Periodically Review Your Coverage

Dental insurance policies can change from year to year. Regularly review your plan documents and speak with your insurer in order to understand your current benefits. Keep yourself up to date on covered procedures, annual maximums, and any changes to your provider network. By staying informed, you equip yourself to confidently use your coverage and prevent unpleasant surprises.

Are you getting the greatest value out of your dental insurance? Learn exactly how your plan works so you can maximize your benefits.

Meet the Practice

At Rosenfeld Dental Associates in Edison, our team is proud to provide a broad range of services for our community. We welcome PPO insurance, and we are even in-network with several popular plans, including Delta Dental Premier (Clear Plan), Horizon BlueCross BlueShield (Traditional Plan), Cigna (Radius Plan), and more. To discover how we can help you maximize your benefits, contact us at 908-668-7838.