{"id":59,"date":"2019-12-22T14:36:14","date_gmt":"2019-12-22T14:36:14","guid":{"rendered":"https:\/\/www.dentalexcellencemelbourne.com\/blog\/?p=59"},"modified":"2025-10-28T16:01:47","modified_gmt":"2025-10-28T16:01:47","slug":"cigna-dentist-melbourne-use-2020-benefits","status":"publish","type":"post","link":"https:\/\/www.dentalexcellencemelbourne.com\/blog\/2019\/12\/cigna-dentist-melbourne-use-2020-benefits\/","title":{"rendered":"Use Your 2020 Dental Insurance to the Full"},"content":{"rendered":"2019 flew by fast, didn\u2019t it? In just a few days, we will be in 2020. You might have big plans for the new year and the new decade. Perhaps you aim to reach your fitness goals, take the vacation of a lifetime, or learn a new skill. There is one more thing you should add to your to-do list for 2020: Use your dental insurance benefits to the full. A Cigna dentist in Melbourne<\/a> is here to explain why and how you should do so.\r\n\r\n\r\n

Dental Benefits Will Renew on January 1<\/h2>\r\nMost types of dental insurance work on a calendar year basis. Every December 31, your policy expires to be replaced immediately by a new policy on January 1. Your new benefits will include an unused annual maximum (the annual maximum is the greatest amount your insurance company will pay out for approved services throughout the year). Now is the time to start planning how you will use 2020\u2019s annual maximum in order to take the best care of your teeth and get the greatest value possible from your insurance.\r\n\r\nTo get started with your planning process, take a bit of time to review the details of your coverage. What is your coinsurance for various services? Is there a deductible you must pay? What are the differences between in-network and out of network coverage? Once you know such things, you can confidently use your insurance to care for your smile.\r\n

Tips for Using Your 2020 Dental Benefits<\/h2>\r\nHere are a few pointers to help you get the most out of next year\u2019s dental insurance:\r\n