Use It of Lose It: Make the Most Out of Your Dental Insurance

As the year comes to a close, most people overlook something that can cost them hard-earned cash and benefits. Dental insurance plans traditionally are based on a calendar year cycle, which means any unused benefits will expire once the new year begins. If you’ve been putting off dental care, now is the time to act. Using your benefits before they vanish can save you money and help you maintain optimal oral health. 

Here’s why it’s crucial to act now and how you can make the most of your remaining benefits.

Your dental insurance benefits come with a “use it or lose it” rule. If you don’t use them by the end of the year, you forfeit any unused amounts. Here’s why acting now is important:

• Annual Coverage Limits: Most plans have a maximum amount they will cover each year. If you haven’t reached this limit, any remaining benefits will not be carried over to the next year.
• Full Coverage for Preventive Care: Routine check-ups and cleanings are often fully covered by your plan. Regular visits help maintain your oral health and catch issues early before they become more serious.
• Avoid Future Costs: By utilizing your benefits now, you can limit minor issues from escalating into more expensive treatments in the future. Early intervention is often more cost-effective.

Before the year ends, consider using your benefits for these common procedures:

• Routine Check-ups: Most insurance plans cover annual exams completely. These visits help your dentist monitor your dental health and detect any potential problems early.
• Professional Cleanings: Cleanings are typically covered at 100%. They help prevent plaque buildup, gum disease, and cavities, ensuring your teeth stay healthy.
• Restorative Work: If you need fillings, crowns, or other restorative treatments, using your benefits now can reduce out-of-pocket expenses. Check with your dentist to see if any restorative work is needed.
• Orthodontic Treatments: If you’re considering braces or other orthodontic work, using your benefits before the year ends can save you a significant amount. Insurance often covers a portion of these costs.

To get the most out of your dental insurance  benefits::

• Review Your Insurance Plan: Check your benefits summary to understand what’s covered and what isn’t. Pay attention to any remaining coverage limits and co-pays.
• Schedule Appointments Early: Book your dental appointments as soon as possible. As the year-end approaches, many people try to use their benefits, so scheduling early ensures you get the appointment times you need.
• Check for Coverage Changes: Ensure there haven’t been any changes to your plan’s coverage or network status. This helps avoid unexpected issues and ensures you receive the full benefit of your plan.

Don’t let this opportunity pass by. Make an appointment with Dr. Soto the Downey Dentist so you may discuss your dental needs and use your benefits before they reset. Remember, it’s “use it or lose it” when it comes to the end of year, so book an appointment today and make the most of your dental insurance benefits. Click this link for an easy online form https://drsotodentist.com/patient-info/book-an-appointment/.