{"id":155,"date":"2020-11-02T01:41:19","date_gmt":"2020-11-02T01:41:19","guid":{"rendered":"https:\/\/www.esparzafamilydentistry.com\/blog\/?p=155"},"modified":"2020-12-02T01:41:26","modified_gmt":"2020-12-02T01:41:26","slug":"how-to-maximize-your-childs-insurance-benefits","status":"publish","type":"post","link":"https:\/\/www.esparzafamilydentistry.com\/blog\/how-to-maximize-your-childs-insurance-benefits\/","title":{"rendered":"How to Maximize Your Child\u2019s Insurance Benefits"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.esparzafamilydentistry.com\/blog\/wp-content\/uploads\/2020\/12\/Child_at_dentist_3__1602109837_50853.jpg\" alt=\"Child at dentist\" class=\"wp-image-156\" width=\"329\" height=\"219\" srcset=\"https:\/\/www.esparzafamilydentistry.com\/blog\/wp-content\/uploads\/2020\/12\/Child_at_dentist_3__1602109837_50853.jpg 800w, https:\/\/www.esparzafamilydentistry.com\/blog\/wp-content\/uploads\/2020\/12\/Child_at_dentist_3__1602109837_50853-300x200.jpg 300w, https:\/\/www.esparzafamilydentistry.com\/blog\/wp-content\/uploads\/2020\/12\/Child_at_dentist_3__1602109837_50853-768x512.jpg 768w\" sizes=\"auto, (max-width: 329px) 100vw, 329px\" \/><\/figure><\/div>\n\n\n\n<p>If you have <a href=\"https:\/\/www.esparzafamilydentistry.com\/dental-insurance.html\">dental insurance<\/a> for you and your family, you probably know that you will lose out on all of your unused benefits at the end of the year. This is because most insurance companies renew all benefits at the beginning of each calendar year. That\u2019s why there\u2019s no better time than now to maximize the coverage your children have so they can start the new year with a healthy and happy smile at a more affordable cost. Continue reading to learn more from your Delta Dental dentist in Virginia Beach about how you can maximize your children\u2019s benefits before the year comes to a close.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Why Should You Work Towards Maximizing Your Kids\u2019 Benefits Now?<\/h2>\n\n\n\n<p>For most dental insurance plans, there is an annual cap. When you reach that point, you will become responsible for more costs out-of-pocket. However, if you have yet to use all of your kids benefits for the year, they will most likely expire at the end of the calendar year on December 31. Starting January 1, you will be responsible for paying the deductible again. Since no benefits will carry over into the next year, it is important that you schedule any needed appointments by the end of December so you will have more affordable care for your family.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Can You Maximize Your Children\u2019s Benefits?<\/h2>\n\n\n\n<p>Here are just some of the ways that you can maximize your children\u2019s coverage on your dental insurance plan:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Attend Checkups and Cleanings:<\/strong> Most insurance plans include two cleanings and checkups each year. If your kids aren\u2019t having these done, you aren\u2019t even close to maximizing your family\u2019s benefits. Make sure that you take advantage of these visits so your kids can avoid the need for other treatments later on that may be more invasive and cost more out of pocket.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Complete Other Treatments<\/strong>: Dental insurance plans are usually structured on a 100-80-50 model. This means that 100% of preventive care, 80% of basic treatments, and 50% of extensive treatments are covered by your insurance company. If your child has a minor issue, like a cavity, fixed now by their children\u2019s dentist in Virginia Beach, it will be more affordable to have it now rather than waiting till they need a more extensive treatment like a root canal or extraction.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Avoid Your Annual Deductible:<\/strong> A deductible is the amount of money you need to spend out-of-pocket until you are able to take advantage of your benefits. This fee resets every year. If you get your children the treatment they need before the end of the year, you won\u2019t need to worry about your deductible again until next time.<\/li><\/ul>\n\n\n\n<p>Dental insurance is confusing, but by taking the right steps, you can maximize your children\u2019s coverage and set them up to have excellent oral health for the coming year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Author<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.esparzafamilydentistry.com\/meet-dr-esparza.html\">Dr. Sarah Esparza<\/a> is an experienced dentist who has been working in the field for more than 20 years. She earned her DDS from the University of Maryland Dental School before serving in the Air Force as a general dentist. She is a member of the American Dental Association and Women\u2019s Dental Network. Her practice is in network with Delta Dental Premier and United Concordia. For more information on dental insurance or to schedule an appointment for your child, visit her <a href=\"https:\/\/www.esparzafamilydentistry.com\/contact-us.html\">website<\/a> or call (757) 499-4707.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have dental insurance for you and your family, you probably know that you will lose out on all of your unused benefits at the end of the year. This is because most insurance companies renew all benefits at the beginning of each calendar year. That\u2019s why there\u2019s no better time than now to [&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-155","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Maximize Your Child&#039;s Coverage, Virginia Beach | Esparza Family Dentistry<\/title>\n<meta name=\"description\" content=\"Your Delta Dental dentist in Virginia Beach explains how you can maximize your child\u2019s insurance coverage before the end of the year.\" \/>\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.esparzafamilydentistry.com\/blog\/how-to-maximize-your-childs-insurance-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maximize Your Child&#039;s Coverage, Virginia Beach | Esparza Family Dentistry\" \/>\n<meta property=\"og:description\" content=\"Your Delta Dental dentist in Virginia Beach explains how you can maximize your child\u2019s insurance coverage before the end of the year.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.esparzafamilydentistry.com\/blog\/how-to-maximize-your-childs-insurance-benefits\/\" \/>\n<meta property=\"og:site_name\" content=\"Esparza Family Dentistry\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-02T01:41:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-12-02T01:41:26+00:00\" \/>\n<meta property=\"og:image\" 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