Use Your Dental Insurance Benefits Before It Expires
Did you know your dental benefits star over every year in January? Most dental insurance is on a calendar year. Did you know if you don’t use your insurance benefits, you will lose out on all unused benefits after December 31st ? Your dental policy allows a certain dollar amount of coverage to be provided to you each year. If your maximum coverage benefit is not used during the year, you lose those benefits because unused coverage does not carry over to the next year. So take advantage of your dental benefits before they run out.
The same rule applies to most Flexible Spending Account (FSA). If you participate in a Flexible Spending or Health Savings Account, these are benefits you have paid for. In most cases, money left in these accounts at the end of the year is forfeited. Make sure to use them before you lose them!
Most people wait till the last minute to take advantage of their dental benefits or they don’t use it at all. The draw back to this of course is that you loose your benefits for the year but another major consequence is that when you don’t visit your dentist for a checkup and cleaning every 6 months, then the chances are there is more dental treatment that you may need. If you end up needing major work, then your insurance will max out and then you will have a lot of out of pocket cost where you could have avoided that all together.
If you are one the privileged people to have dental insurance through your employer, then don’t wait till it’s too late. You may be paying for portion of your premium as well (some employees pay for 50% of their premiums), then by not using your insurance benefits, you are actually throwing away your hard earned money.
If you haven’t used your insurance this year yet, that means this is a great time of year to take advantage of everything your dental insurance provides, especially if you have outstanding treatments. Another advantage of seeing your dentist now is that if you have lots of dental work to be done, then you can maximize your insurance for this year and then continue again with new benefits in January.
Here are just a few of the services you want to use before you lose the opportunity.
Most dental plans allow checkups and teeth cleanings two times per year. So, if you haven’t had a cleaning in the last six months, now is a perfect time to schedule an appointment with your dentist in Cudahy. Getting a regular checkup and dental cleaning ensures healthy teeth and gums.
During these routine dental exams, your dentist will also check for any evidence of problems that need treatment. Detecting these issues, such as tooth decay, infection, or gum disease early, means they’ll be taken care of promptly and we can avoid more serious problems. Also one critical point to keep in mind is that dental issues that affect the teeth and gums are linked to health problems in other parts of the body, including the heart.
More Extensive Treatments
If you need more extensive dental treatments like dental fillings, Root Canals, Crowns, Bridges, Implants and many more which involve multiple visits, the end of the year is approaching and it’s the perfect time to get started. You can take care of the most you can this year and then do the rest in January. This way your out-of-pocket expenses can decrease dramatically, making it an ideal situation for the more extensive dental treatments.
Don’t let your 2017 dental benefits go to waste. Call today to make an appointment and use your hard earned and well deserved insurance benefits before December 31. 323-771-7254