The holiday season has arrived and we know that your calendar is quickly filling up. Even though your time is limited with shopping, planning and visiting, it might be worthwhile to add a dental appointment to your schedule. Did you know that you could be throwing away hundreds of dollars? It’s true! Most dental insurances reset with the new year and any unused benefits will disappear. By using your dental insurance benefits before the new year, you could be saving yourself hundreds of dollars!
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.
You can request an appointment online by click here or you can call our office today to schedule an appointment to use those benefits. Do not wait until late December to reserve an appointment as our doctors and hygienists get booked up quickly with university students who are home for winter break and other patients who are using up their benefits before December 31, 2014.
Treat your teeth with care now and they will thank you for it in the long run. You can also call and speak with our Patient Insurance Advisor, Stacey, who will work with your insurance company to see what you still have available for benefits this year. You can reach our office at 780-849-2234.