As the year comes to a close, now’s the time to think about your dental insurance benefits. Many people don’t realize that most dental insurance plans operate on a “use it or lose it” basis. If you don’t take advantage of your benefits by December 31st, you could end up paying out-of-pocket later. Keep reading to learn why using your dental insurance now can save you money and help you maintain a healthy smile.
Why You Should Use Your Dental Benefits Before Year-End?
- Dental Benefits Expire Annually
Most dental insurance plans have a yearly cycle. This means that any benefits you haven’t used by the end of December won’t roll over. If you have coverage for cleanings, exams, or more extensive treatments like fillings or crowns, those benefits vanish on January 1st. Don’t wait—schedule your appointments now!| - Maximize Your Yearly Allowance
Most plans have an annual maximum. This is the limit your insurance will pay for covered dental procedures within a calendar year. If you haven’t hit your limit yet, it’s a great time to use your benefits for any needed procedures before they reset. If you skip it, you’re essentially leaving money on the table! - Prevent Problems from Getting Worse
Dental issues, like cavities or gum problems, don’t disappear on their own. Putting off care can lead to more complicated (and expensive) procedures down the road. Using your insurance now for preventive care can help avoid bigger issues later. Regular cleanings, exams, and early treatment save both your wallet and your teeth. - Take Advantage of Your Premiums
You’ve been paying premiums all year long, so why not get the most out of them? Dental insurance is designed to keep your teeth healthy with covered services like check-ups and cleanings. By not using your benefits, you’re paying for services you never get. Make sure you’re getting the full value of what you’ve been paying for all year.
Common Services Covered by Dental Insurance
Dental insurance often covers a wide range of services. Here are some you might consider using before the year ends:
- Routine Cleanings and Exams: Usually covered twice a year. Perfect for keeping teeth healthy and catching problems early.
- X-Rays: Important for spotting hidden issues that aren’t visible during a regular check-up.
- Fillings: Stop cavities from spreading. Using your insurance now can prevent the need for more invasive treatment.
- Sealants and Fluoride Treatments: Often covered for children and teens. These preventive services can protect teeth for years to come.
- Orthodontic Evaluations: If your plan includes orthodontics, you may have coverage for initial consultations or treatments for kids.
How Scheduling Now Can Save You Money Later?
- Avoid Higher Costs Next Year
Delaying dental care can lead to more severe issues. A simple filling today could turn into a root canal if ignored. By using your benefits now, you avoid paying higher costs for urgent treatments next year. - Prevent Insurance Premium Increases
Some insurance companies increase premiums based on claims history. If you skip routine care this year, more serious problems next year could lead to higher costs. Keep up with preventive care to avoid potential hikes. - Utilize Deductibles Before They Reset
If you’ve already met your deductible this year, any additional treatment costs will likely be covered by your insurance. Come January, the deductible resets, and you’ll have to start paying out-of-pocket again until it’s met.
Tips for Making the Most of Your Dental Benefits
- Schedule Appointments Early: As the year closes, dental offices get busy. Don’t wait until December to book your visit.
- Check Your Benefits: Review your insurance plan to know what’s covered and what’s not. This way, you can prioritize the necessary procedures.
- Ask About Treatment Plans: If you need extensive work, discuss a treatment plan with your dentist. They might be able to break it into parts—some covered this year, some next—maximizing benefits.
Take Action Today!
The countdown to the end of the year has begun. Don’t wait until it’s too late to book your dental appointments. Whether you need a routine check-up, a filling, or something more involved, using your dental benefits now can prevent future headaches. Most importantly, it’s a way to take care of your smile and overall health without any unnecessary stress.
Schedule your appointment with Monarch Dental Care now, and take advantage of our financing options. Call today to book a visit or request an appointment online. Remember, December 31st is the cut-off!
