{"id":61,"date":"2019-11-14T20:53:00","date_gmt":"2019-11-14T20:53:00","guid":{"rendered":"https:\/\/www.cayodentalcare.com\/blog\/?p=61"},"modified":"2023-06-05T16:56:33","modified_gmt":"2023-06-05T16:56:33","slug":"have-you-maximized-your-2019-dental-insurance-benefits-yet","status":"publish","type":"post","link":"https:\/\/www.klassiksmiles.com\/blog\/have-you-maximized-your-2019-dental-insurance-benefits-yet\/","title":{"rendered":"Have You Maximized Your 2019 Dental Insurance Benefits Yet?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.klassiksmiles.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_94425459__1561152104_69527-300x200.jpg\" alt=\"dental insurance form\" class=\"wp-image-62\" srcset=\"https:\/\/www.klassiksmiles.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_94425459__1561152104_69527-300x200.jpg 300w, https:\/\/www.klassiksmiles.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_94425459__1561152104_69527-768x512.jpg 768w, https:\/\/www.klassiksmiles.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_94425459__1561152104_69527.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Every year, millions of Americans leave several <em>billions <\/em>of\ndollars in dental insurance on the table without even realizing it. This is\nbecause most dental insurance plans operate on a \u201cuse it or lose it\u201d system, meaning\nthat if you don\u2019t use all your benefits by the end of the calendar year, they\u2019ll\nbe gone forever! Luckily, <a href=\"https:\/\/www.klassiksmiles.com\/contact.html\">a dentist<\/a> in St. Peters\nis here to let you know how to maximize your insurance benefits so that you won\u2019t\nlose money in coverage ahead of 2020.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Know Your Annual Maximum <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your annual maximum is the highest dollar amount that your insurance\ncompany will pay for your care during the calendar year. Most of the time, your\nyearly maximum is around $1,000. The goal is to try and reach or even exceed\nthat amount before the year is up so that you get the most coverage possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pay Your Deductible <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your deductible is what you have to pay out-of-pocket before\nyour insurance company starts paying for your dental care. Once you pay your deductible,\nit\u2019s good for the rest of the year. If you\u2019ve already met yours, now is the\nperfect time to seek the treatment you need. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Overlap Treatment <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you need dental work done that will take more than one\nappointment, you can start them before the end of the year and finish them up\nin January. This is a great way to maximize your benefits because it reduces\nout-of-pocket costs. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pay Your Premiums <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re already paying your premiums, there\u2019s no reason\nyou shouldn\u2019t be cashing in on your benefits. Even if you don\u2019t have any dental\nwork you need to get done, you should still see your dentist twice a year for regular\ncheckups and cleanings. Preventive visits like these are usually covered 100%\nby your insurance, so taking advantage of that is a great way to maximize your benefits\nand keep your mouth clean and healthy. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Get Any Needed Dental Work Squared Away <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s easy to avoid getting much-needed dental work taken\ncare of. Whether it\u2019s due to anxiety. Time, or costs, putting off dental\ntreatment will actually leave you significantly worse off than if you just\nreceived it as soon as possible. You will be at a higher risk for more extensive\nand costly treatments down the road. That\u2019s why you should see your dentist\nright away when a treatment is needed. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now you know how to take advantage of your insurance and maximize\nyour benefits. So, have you scheduled an appointment with your dentist yet? If not,\ndo so right now! <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Author <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dr. Krista Cayo earned her Doctor of Dental Medicine degree\nfrom Southern Illinois University Edwardsville School of Dental Medicine. She\nis a member of the American Dental Association, the Missouri Dental\nAssociation, and the Great St. Louis Dental Society. Her practice is in-network\nwith a variety of major PPO insurance plans, and is happy to offer manageable\nmonthly payment plans no matter what treatment you\u2019re receiving. To learn more,\n<a href=\"https:\/\/www.klassiksmiles.com\/contact.html\">click here to contact Dr.\nCayo\u2019s practice.<\/a> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every year, millions of Americans leave several billions of dollars in dental insurance on the table without even realizing it. This is because most dental insurance plans operate on a \u201cuse it or lose it\u201d system, meaning that if you don\u2019t use all your benefits by the end of the calendar year, they\u2019ll be gone [&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-61","post","type-post","status-publish","format-standard","hentry","category-category"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dentist in St. Peters | Dental Insurance | Dr. Krista Cayo<\/title>\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.klassiksmiles.com\/blog\/have-you-maximized-your-2019-dental-insurance-benefits-yet\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dentist in St. Peters | Dental Insurance | Dr. Krista Cayo\" \/>\n<meta property=\"og:description\" content=\"Every year, millions of Americans leave several billions of dollars in dental insurance on the table without even realizing it. This is because most dental insurance plans operate on a \u201cuse it or lose it\u201d system, meaning that if you don\u2019t use all your benefits by the end of the calendar year, they\u2019ll be gone [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.klassiksmiles.com\/blog\/have-you-maximized-your-2019-dental-insurance-benefits-yet\/\" \/>\n<meta property=\"og:site_name\" content=\"Klassik Smiles Blog\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-14T20:53:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-05T16:56:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.klassiksmiles.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_94425459__1561152104_69527-300x200.jpg\" \/>\n<meta name=\"author\" content=\"drcayo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"drcayo\" \/>\n\t<meta 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