Maximizing Your Dental Insurance Benefits Before Year-End
As the year approaches its end, it’s a pivotal time to review your dental insurance plan. Most dental insurance plans operate on a calendar year basis, meaning your benefits reset on January 1st. Here’s a guide to ensure you’re maximizing your dental insurance benefits before they expire.
Understand Your Plan’s Yearly Maximum:
Most dental insurance plans have an annual maximum, the total amount your plan will pay for your dental work within one calendar year. If you haven’t reached this limit, consider scheduling pending dental treatments before the year ends, as these benefits typically do not roll over.
Use or Lose Your Deductible:
The deductible is the amount you pay out-of-pocket before your insurance kicks in. Once you’ve met your deductible for the year, it’s wise to take advantage of your coverage before the deductible resets.
Schedule Pending Treatments:
If you’ve been putting off dental work, now is the time to act. Whether it’s a filling, crown, or other dental procedure, using your remaining benefits can save you money.
Check for Unused Benefits:
Preventive care, like cleanings and check-ups, are often covered by insurance plans. If you’ve missed a cleaning or check-up, schedule one before the year’s end to maintain your oral health and use your benefits.
Plan for Major Procedures:
If you’re considering a major dental procedure, discuss with your dentist about starting it before the year ends. This way, you can use your current year’s benefits, and then continue treatment in the new year, effectively using two years’ worth of benefits.
Consult with Your Dental Office:
Your dental office can help you understand your insurance benefits and plan your treatments accordingly. They can also assist with pre-authorizations and claims submissions.
In summary, the end of the year is a critical time for reviewing and utilizing your dental insurance benefits. By planning and coordinating with your dental office, you can ensure you’re not leaving any valuable benefits unused. Remember, dental health is an integral part of your overall wellbeing, and fully utilizing your insurance is a smart way to maintain it.
