Many dental insurance plans run on a calendar year. There are some exceptions, but, as a rule, the majority of insurance plans operate on a calendar year. Which means that time is now running out for you to maximize the benefits of your dental insurance as December 31st is the date you need to use your benefit before losing it. Why lose it? After all, YOU paid for it!
If you need reasons you should try to schedule that treatment you’ve been putting off read on. Apart from the health considerations that your dentist promotes, there are financial reasons to go ahead and make an appointment.
- All dental insurance plans have a yearly maximum. This is the maximum amount that the insurance company will pay out for treatment in the duration of the benefit year. Any unused portion is not rolled over to the following year – so you lose it.
- Most insurance plans cover twice yearly cleanings and exams at 100% (although some do have a small co-pay of maybe 10% or 25%).
- If you keep these 6 monthly visits up, many potential BIG problems can be avoided as they would be detected early enough. It’s a sad fact of life that avoiding dental treatment doesn’t make the problem go away – it just makes it bigger, probably more painful and more expensive.
- Deductibles are charged again at the beginning of a new benefit year. So, if you have already met your deductible, having further treatment BEFORE the renewal date and using up remaining benefit will avoid you having to pay it again.
- Fees may increase. We all know that inevitably costs increase. Your dentist is no different to any other business and occasionally needs to update his fees. January is a perfect time to do this. By scheduling your appointment before then, you will be locked in to the current fees even if the treatment continues into the New Year.
Try to find the time to book an appointment for the treatment you’ve been avoiding ~ no point in having a double whammy of toothache and wasting money. After all…..none of us have money to burn.