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  • Dr Bhawna Gupta
  • Sep 13,2023


As the year comes to a close, it's essential to take a closer look at your dental insurance benefits. Many people underestimate the value of their dental coverage, and in doing so, they often let valuable benefits slip through their fingers. 

This article will guide you through some crucial year-end tips to ensure you make the most of your dental insurance benefits. Don't leave money on the table; read on to discover how to maximize your coverage and maintain your oral health.

Understanding Your Dental Insurance

Before we dive into the tips, let's begin with a fundamental understanding of dental insurance. Dental insurance is designed to help you manage the cost of dental care.

It typically covers preventive services like cleanings and check-ups, as well as restorative procedures such as fillings and crowns. 

However, dental plans can vary widely in terms of coverage and cost, so it's essential to be familiar with the specifics of your plan.

Review Your Coverage

The first step in making the most of your dental insurance is to review your coverage. Take a close look at your policy documents or contact your insurance provider to understand your benefits fully. Pay attention to:

1. Annual Maximum

The annual maximum is the maximum amount your insurance will pay for dental care in a calendar year. If you haven't reached this limit yet, consider scheduling any necessary treatments before the year ends.

2. Deductible

The deductible is the amount you must pay out of pocket before your insurance starts covering costs. If you've already met your deductible for the year, it's an excellent time to schedule any outstanding treatments.

3. Preventive Care

Most dental plans cover preventive care, such as cleanings and check-ups, at 100%. Take advantage of these services to maintain your oral health and prevent more significant issues down the road.

Book an Appointment to Get the Maximum Benefits Now!

Plan Ahead for Major Procedures

If you anticipate needing major dental work in the near future, consider planning it before the end of the year. This strategy can be financially beneficial because it allows you to maximize your annual maximum and make the most of your insurance benefits. Discuss your treatment plan with your dentist to determine the best timing.

Use Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs)

If you have an FSA or HSA, these accounts can be a valuable tool for covering dental expenses. Contributions to these accounts are typically made with pre-tax dollars, providing you with a tax advantage. 

Use your FSA or HSA funds to pay for dental treatments, ensuring you save money while maintaining your oral health.

Consider Orthodontic Coverage

If you or a family member requires orthodontic treatment, review your insurance policy for orthodontic coverage. Orthodontic treatments can be costly, but having insurance coverage can significantly reduce your out-of-pocket expenses. 

Check the details of your plan and consult with an orthodontist to make the most of this benefit. Union City Family Dental Center is a Diamond Plus top 1% Invisalign Provider offering Invisalign treatment at a discount. Invisalign treatment starts at $2999. Schedule your FREE Consultation now.

Don't Delay Emergency Care

Dental emergencies can happen at any time. If you experience severe tooth pain, a broken tooth, or any other urgent dental issue, don't delay seeking care, You can contact Union City Family Dental Center for any Emergency Dental Care in Union City and surrounding areas.. Many insurance plans cover emergency dental services, so getting prompt treatment can prevent the problem from escalating and becoming more costly.

Maintain Regular Dental Check-Ups

Regular dental check-ups are a cornerstone of preventive care. Not only do they help detect and address oral health issues early, but they are also typically fully covered by dental insurance plans. Don't skip your routine visits to the dentist; they can save you money in the long run by preventing more significant problems.


As the year draws to a close, take a proactive approach to your dental insurance benefits. By understanding your coverage, planning your dental treatments strategically, and utilizing accounts like FSAs and HSAs, you can make the most of your insurance and maintain excellent oral health. Don't wait until it's too late; act now to ensure you don't let your dental insurance benefits go to waste.

Schedule an Appointment and Get the Maximum Benefits Now!


Can I use my dental insurance for cosmetic procedures?

Most dental insurance plans do not cover purely cosmetic procedures. They typically focus on preventive and restorative care. However, some exceptions may apply, so it's essential to check with your insurance provider for specific details.

What should I do if I've already reached my annual maximum?

If you've reached your annual maximum, you may need to cover any additional dental expenses out of pocket. However, consider scheduling major procedures in the following year when your benefits reset.

How do I know if my dentist is in-network?

You can contact your insurance provider or check their website to find out if your dentist is in-network. In-network dentists typically have negotiated lower rates with the insurance company, which can save you money.

Union City dentist Dr. Bhawna Gupta DDS (Union City Family Dental Center) is an in-network PPO dentist with major insurance companies like Aetna Dental, Cigna Dental, Delta Dental, Guardian Dental, MetLife Dental, and so on.

What is the difference between dental insurance and dental discount plans?

Dental insurance involves monthly premiums and coverage for specific services, while dental discount plans offer reduced fees for services but require payment at the time of treatment. Dental insurance typically provides more comprehensive coverage.

Can I change my dental insurance plan during the year?

Dental insurance plans usually have an annual open enrollment period, during which you can make changes to your coverage. However, outside of this period, changes may be limited to qualifying life events, so it's essential to check with your insurance provider for options.