As the end of the year approaches, there’s one important thing you don’t want to forget: your dental insurance benefits! If you have dental insurance, now is the perfect time to review your remaining benefits and make sure you’re getting the most out of your coverage.
Many dental insurance plans operate on a calendar-year basis, meaning your annual benefits may reset on January 1. If you haven’t used all your available benefits, you could be missing out on coverage you’ve already paid for through your premiums.
Here’s what you need to know about making the most of your dental insurance before the year ends.
What Does “Use It or Lose It” Mean?
Many dental insurance plans include an annual maximum, which is the total amount your insurance company will pay toward covered dental services during a benefit year. Depending on your plan, unused benefits typically do not roll over into the following year.
For example, if your plan provides an annual maximum of $1,500 and you’ve only used $500, you may still have benefits available for covered dental treatment. Once your benefit year ends, any unused amount may expire.
Your specific coverage depends on your insurance plan, so it’s always a good idea to check with your insurance provider or dental office to understand your remaining benefits.
3 Reasons to Schedule Your Dental Appointment Before the End of the Year
1. Make the Most of Your Available Benefits
If you have remaining dental insurance benefits, scheduling a visit before the end of the year may help you use coverage that would otherwise expire. Routine cleanings, examinations, X-rays, and other covered services may be included in your plan.
Rather than letting those benefits go unused, take the time to find out what’s available to you.
2. Take Care of Dental Problems Before They Get Worse
Have you been putting off a filling, crown, or other recommended dental treatment? Waiting may allow some dental problems to become more complicated over time.
Using your remaining benefits toward appropriate treatment may help you address concerns sooner and avoid more extensive treatment later. Your dentist can help you prioritize care based on your oral health needs.
3. Plan Ahead for Next Year’s Dental Expenses
Understanding your current benefits can also help you prepare for the upcoming year. If you need multiple treatments, your dentist may be able to help you develop a treatment plan that takes your coverage and timing into consideration.
Keep in mind that treatment timing depends on your dental needs, insurance rules, and available appointments. Your dental team can help you understand your options.