Are your dental benefits keeping pace with your lifestyle? Whether you're on an individual plan or have benefits through your employer, it's likely you have a couple plan options for dental coverage. Choosing the right plan can save you money and help keep your teeth and gums in tip-top shape.
Here are a few coverage details to think about as you review your plan options:
Are the dental treatments you need covered? As we age, we go from needing simple cleanings and exams to requiring more costly procedures, such as crowns and root canals. If dental care is starting to cost you more out-of-pocket, consider an upgrade so your plan covers a higher percentage for basic and major services.
Do you need orthodontic coverage? If braces are in your family's future, now may be a good time to review your orthodontic coverage. Some plans offer orthodontic coverage, while others may not. Be sure to also check the plan's orthodontic age limitations and lifetime maximum.
Is your annual benefit maximum the right amount? Most people with dental insurance never hit their annual benefit maximum, but you should still be aware of how much it is and how close you come to it. Any dental expenses over your plan's annual maximum will be your responsibility.
The most common time to make changes to your plan is during open enrollment, but you can also do so with any qualifying life event, such as getting married or retiring.