Did you know that millions of people let their dental insurance benefits go unused each year? According to a recent study, over 30% of people with dental coverage don’t maximize their benefits before year-end. This is a missed opportunity to save on dental care and improve oral health. It’s crucial to use your benefits before they expire, as they won’t roll over into the new year.
This blog will show you how to make the most of your dental insurance before it’s too late.
Understanding Your Dental Insurance Benefits
Dental insurance can be complex, but understanding the basics is key. Most plans have an annual maximum, which is the most your insurance will pay for dental care within a year. If you don’t reach this limit, the remaining funds won’t carry over to the next year. You also have a deductible, which is the amount you pay out of pocket before the insurance kicks in.
Co-pays may apply for certain services, and it’s important to understand the difference between preventive and restorative care. Preventive care includes cleanings and exams, which are often covered 100%, while restorative care, like fillings or crowns, may require a portion to be paid by you. Review your plan to ensure you’re using all available benefits before the year ends.
Why You Should Act Before Year-End?
Your dental benefits have an annual maximum that expires each year. Any unused amount won’t carry over, leaving you with wasted coverage. Additionally, your deductible resets at the beginning of the new year, meaning you’ll pay more out of pocket for treatments if you delay.
By scheduling dental visits now, you can maximize your plan and avoid losing valuable benefits. Don’t wait until the last minute—use your benefits before they expire.
Tips for Making the Most of Your Dental Benefits
Now is the time to schedule routine checkups and cleanings. Preventive care is often fully covered by insurance and can help you avoid bigger issues later on. If you’ve been putting off necessary dental work, such as fillings, crowns, or even root canals, it’s important to address these treatments now.
Postponing them can lead to higher costs once your deductible resets. If you have any unused benefits, consider using them for procedures you might otherwise delay, like teeth whitening, orthodontics, or even cosmetic treatments.
Additionally, some dental plans allow you to use funds for treatments you may not typically consider. Don’t let unused coverage go to waste—acting now can save you money and improve your dental health in the long run.
Common Dental Procedures You Might Want to Consider
Start with preventive treatments like cleanings, exams, and x-rays, which are usually fully covered. If you need restorative procedures, now’s the time to get treatments such as fillings, crowns, and root canals done.
Many cosmetic treatments, like teeth whitening or veneers, might also be partially covered under your plan, helping you save on aesthetic procedures. If orthodontic work is covered, consider using any remaining benefits for braces or retainers. These procedures are often expensive, but dental insurance can help reduce the cost.
What to Do If You’re Uncertain About Your Coverage?
If you’re unsure about your remaining benefits, contact your dental insurance provider for clarification. They can help you understand what’s covered and how much you’ve used.
It’s also a good idea to speak with your dentist’s office. They are often well-versed in navigating insurance details and can guide you in prioritizing your treatments.
If you’re facing high out-of-pocket costs, inquire about financing options or payment plans. Many dental offices offer flexible payment solutions, so don’t hesitate to ask.
Don’t Let Your Benefits Expire – Schedule Today!
Take full advantage of your dental benefits before year-end to understand the “use it or lose it” policy! Contact Avery Dental Wellness today to book your appointment. Don’t let valuable coverage go to waste; our team is ready to help you maximize your dental plan and maintain your oral health.