The last few weeks of the year can be a great time to get dental work done. Most dental plan benefits reset at the beginning of the year, and if you don’t use it – you lose it. Get the most out of your dental insurance plan with these three steps.
1 Find Your MBA. Look at the paperwork you received when you signed up for your dental insurance or go online to find the explanation of your dental benefits. Specifically, find your maximum benefit available (MBA). The MBA is the most money your dental insurance will pay for root canals, teeth cleanings and other dental work in a calendar year. Whatever you don’t use of the MBA is lost at the end of the year. Think of it as money you paid for that’s sitting in your dental insurance account, waiting to be used by you and only you.
2 Gather Your EOBs. Dental insurance companies send handy, but often confusing, statements called “EOBs” or “explanation of benefits” that detail how much they’ve paid for your dental expenses each time a dentist submits a claim to them for work you had done. Total up all that your insurance has paid out, as shown in your EOBs. Call your insurance company if you need help and just ask them how much you have remaining on your maximum benefit.
Related: How to read an EOB »
3 Give Your Dentist a Call. Armed with the knowledge of how much (or little) credit you have available in your dental insurance tank, call your dentist and schedule an appointment for a cleaning, check-up, or any other dental work you’ve been waiting on.
Categorised in: General Dentistry