For those with dental insurance, the benefits are often more substantial than you may realize. Most plans include features that can save you significant amounts of money while ensuring your teeth and gums are as healthy as possible.
Even if you do know about these dental insurance perks, you may be unaware of the fact that they tend to expire at the end of the year. That is right—those financial savings and healthy bonuses could vanish if you do not use them before January first.
Rather than letting these advantages go to waste, plan ahead and be sure to utilize them before the year comes to a close. To help you along your way to a healthier smile and a happier bank account, we have compiled a few of the most common dental insurance benefits and why you should use them before the end of the year below.
Your Deductible Resets
Reaching your deductible before your insurer kicks in and begins to cover your dental expenses is a pain. Unfortunately, your deductible will reset as a new calendar year begins. This means you will have to meet your deductible again. So, you might as well take advantage of your coverage now, especially if the following applies to you.
Your Maximum Expires
Most plans have a maximum amount of money they will cover for procedures in a single year. If you have not yet reached that maximum, there is no reason to wait until the new year. After all, using as much of your maximum as possible gives you the biggest bang for your buck.
Health Does Not Wait
Before the year ends, you should make a point to visit your dentist. Whether you have preexisting problems or simply want an evaluation to make sure your oral health is on point, identifying issues and addressing them before the end of the year can save you from pain, further deterioration, and financial surprises.
Make it known to your dentist during the checkup or cleaning that you are interested in taking care of any potential problems before January. This gives them the insight they need to treat you accordingly and schedule any necessary appointments before time expires.
Fees May Increase
The possibility of increased deductibles, fees, and premiums awaits in the new year. Rather than risking these expenses rising, take full advantage of your insurance this year. Using the coverage you have now is simply the financially prudent thing to do when the price of next year’s coverage is unknown.
Some Services are Covered
Your dental insurance plan may include certain services as a feature. For example, many plans include routine cleanings, x-rays, and even cancer screenings. You are already paying for these services, so do not forget to take advantage of these and other perks before the end of the year.
We hope this quick guide to getting the most out of your dental insurance plan before the year ends helps you and your teeth stay happy and healthy. If you are unsure of how to take full advantage of the features included in your dental insurance plan, have a candid conversation with your dentist. They are experienced when it comes to interpreting and dealing with such plans and will gladly aid you in your quest to get the most out of the service you are paying for.