November 30, 2020
At your last checkup, your dentist said you needed a dental crown to protect one of your teeth. Because you were worried about the cost, you ended up never scheduling that appointment. However, putting off a dental crown that you need can actually cost you much more money in the long run. Keep reading to learn how getting the crown you need before the year ends can save you money, time, and painful complications down the road.
How Long Can I Put Off Getting a Dental Crown?
A dental crown is a tooth-shaped cap that is placed over the part of the tooth that extends above the gums. Not only do crowns restore a tooth’s ability to bite and chew, but they also protect the tooth against future decay and damage.
When your dentist suggests you get a crown, you shouldn’t delay the treatment. Doing so exposes your tooth to bacteria, which not only cause infections, but often require more complex treatments later on, such as root canal therapy or a tooth extraction, that cost significantly more than a crown.
Will My Dental Insurance Cover the Cost of Dental Crowns?
Unless you’re getting a crown for purely cosmetic reasons, you can expect most dental insurance plans to cover part of the cost. They typically classify crowns as a major restorative procedure, so they’re usually covered at about 50%. Your insurance coverage could save you hundreds if not thousands of dollars!
Keep in mind that even though you’ll likely be responsible for half of the cost of the crown, it’s a worthwhile investment. Paying for a dental crown now will prevent the need for more invasive and expensive procedures in the future.
Why Should I Get My Dental Crown Before the End of the Year?
By this point in the year, chances are you’ve met your deductible but haven’t yet reached your annual maximum. Most dental insurance benefits expire at the end of the calendar year. Any leftover coverage you have in your annual maximum will disappear. If you wait to get your crown until after your policy resets, you’ll probably have to pay more money because you’ll need to meet your deducible again. It’s best to make the most of your available benefits by taking care of any necessary dental treatments before the end of the year.
No matter what time of year it is, it’s never a good idea to avoid getting the care your smile needs. If you’re worried about how you’re going to fund your treatment, ask your dentist how they can help you maximize your insurance benefits and if they have any additional financing options available.
About the Author
Dr. Katie Montgomery obtained her Doctor of Dental Surgery degree in 2006 from the Ohio State University College of Dentistry. Her practice, Montgomery Family Dental, is in-network with Delta Dental, Aetna, and MetLife, but they are happy to help you maximize benefits for any other insurance plan. They can also offer in-house payment plans to comfortably fit your smile care into your budget. To learn more about how you can save money by getting your needed dental crown before 2020 ends, contact Dr. Montgomery’s Marysville, OH practice at (937) 642-1151.
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