Taking care of your smile shouldn’t be a luxury — and with dental insurance, it doesn’t have to be. Many patients don’t realize that their insurance plans offer more value than they think. Understanding how to fully use your dental benefits can help you save money and avoid more serious (and costly) dental problems down the road.
Here’s how to make the most of your dental insurance:
✅ 1. Use Your Preventive Care – It’s Usually Free!
Most dental plans cover two cleanings and exams per year at no cost to you. These routine visits help catch issues early — like cavities, gum disease, or worn enamel — before they become expensive problems.
Tip: Even if your teeth feel fine, go in for your regular checkups. You’ve already paid for them through your premiums!
📅 2. Don’t Let Annual Maximums Go to Waste
Most dental insurance plans have an annual maximum — a limit on how much the insurer will pay each year. If you don’t use your benefits, they expire at the end of the year and don’t roll over.
Smart move: If you’ve been putting off treatment like fillings, crowns, or gum therapy, schedule it before your benefits reset.
💡 3. Get to Know Your Coverage
Insurance plans often cover procedures at different rates, e.g, several insurances cover
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100% for preventive care (cleanings, exams, X-rays)
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80% for basic services (fillings, extractions)
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50% for major procedures (crowns, dentures)
Knowing what’s covered can help you plan treatment more effectively and avoid surprises. Check your benefits for exact coverages.
💳 4. Use HSA or FSA Funds for Extras
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those pre-tax dollars to pay for:
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Invisalign
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Nightguards
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Teeth whitening (in some cases)
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And more!
🤝 5. Partner With Your Dentist
Let your dental office help you navigate your plan. At Everett Smiles Family & Implant Dentistry, our front office team is happy to:
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Check your remaining benefits
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Estimate out-of-pocket costs
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Help you time treatments around your coverage
👋 Final Thoughts
Your dental insurance is a powerful tool — but only if you use it! Schedule your preventive care, understand your coverage, and plan ahead. Your smile (and your wallet) will thank you.
Need help using your benefits before they expire? Contact Everett Smiles Family & Implant Dentistry today to book your appointment and keep your smile healthy year-round.
