THE END OF THE YEAR IS approaching fast! Before year’s end, our team wants to remind you to take a look at your dental insurance benefits!
Insurance Benefits Typically Don’t Roll Over To Next Year
Each year your dental insurance company probably gives you a maximum amount of available benefits. Since those benefits don’t typically roll over into the following year, you’ll want to contact us now to get your appointment scheduled!
We all know how it is, once the holiday season is upon us—hectic! Life can get really busy and some things fall between the cracks. So remember that your dental health needs your attention too—not just for the sake of your teeth, but for your overall health. If you’re due (or overdue) for an appointment, make sure to talk to our office. Take advantage of those dental insurance benefits before time is up!
Some dental insurance plans run on a fiscal year, but most run on a calendar year. If your dental insurance plan is on a calendar year, these 4 reasons will show you why you should make an appointment now.
1. Unused Benefits Do Not Roll Over
Every dental insurance plan has a yearly maximum. Your yearly maximum is the most money that the dental insurance plan will pay for your dental work within one full year. While the amount varies by different insurance companies, the yearly maximum usually renews each year with the calendar on January 01st. These benefits do not roll over to the next year and with most insurance companies, must be used by December 31, 2014. If you have unused benefits left for 2014, as of January 01, 2015 they will be forfeited and lost.
2. You’ve Paid Your Premiums, So Use Them
If you are paying your dental insurance premiums every month, you should be taking advantage of them and using them to your benefit. If you do not use your benefits, your insurance company keeps it, so don’t throw away your benefits. Even if you do not need any dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other dental problems.
3. Your Annual Deductible Resets
Your dental insurance deductible is the amount of money that you must pay to your dentist out of pocket before your insurance company will pay for any services. This fee varies from one plan to another and like your yearly maximums, they do not roll over to the next year. If you have used your insurance at all this year, you’ve probably paid some towards your deductible already. In fact you may have already paid your deductible and what’s left if your coverage.
4. Dental Conditions Can Worsen
Many patients need dental treatment, whether it’s periodontal treatment to clean your teeth, or restorations to treat decay. By postponing dental treatment, you are risking more extensive and expensive treatment down the road. Addressing dental issues now, rather than putting off treatment can prevent problems from getting worse, which could save you even more money compared to waiting. What may be a simple cavity now, could turn into a tooth loss later or root canal later.
Do you have any questions about your dental insurance benefits? Call us at 780-849-2234! We’re happy to work with you to create a dental health plan that works for you!
Thanks for being our valued patient!