Time is Running Out – Use it or Lose it – Insurance Benefits

As the year draws to a close, many people face a common challenge: how to fully utilize their dental insurance benefits before they reset. Most dental insurance plans operate on an annual basis, meaning any unused benefits will not carry over into the next year. If you’ve been postponing necessary dental work or routine check-ups, now is the time to act. 

Here’s why you should take advantage of your benefits before they disappear and how to make the most out of what’s left.

Why You Should Act Now?

Your dental insurance benefits are often categorized under a “use it or lose it” rule. If you don’t use the benefits within the year, you forfeit them. Understanding why it’s essential to act before the year ends can help you prioritize your dental care:

• Annual Benefit Caps: Most dental insurance plans come with a maximum coverage limit for the year. If you haven’t reached this cap, you may be missing out on free or reduced-cost care. Once the year ends, any unused amount does not roll over, and you start from scratch with a new set of benefits.
• Preventive Care: Dental plans frequently cover preventive care like routine cleanings and exams at 100%. Having regular cleanings and examinations is essential for keeping good dental health and can prevent more severe, costly problems later.
• Avoiding Future Costs: By using your benefits now, you can avoid paying out-of-pocket for procedures that might become necessary in the future. Addressing dental issues early can prevent them from escalating into more significant, expensive treatments.

Common Treatments to Consider

With the end of the year approaching, consider using your benefits for these common treatments:

• Routine Check-ups: These are typically covered fully by insurance plans. Regular exams help your dentist monitor your oral health and catch any potential issues early. If you haven’t had a check-up recently, now is a good time to schedule one.
• Professional Cleanings: Cleanings are also often covered 100% by insurance. They help remove plaque and tartar buildup, which can lead to gum disease and cavities if left untreated.
• Fillings and Crowns: If you have cavities or need restorative work, using your benefits before the year ends can significantly reduce your out-of-pocket costs. Check with your dentist to determine if any fillings, crowns, or other restorative treatments are needed.
• Orthodontics: For those who require braces or other orthodontic treatments, using your benefits before the year ends can save you a substantial amount. Insurance often covers a portion of these costs, so don’t miss out.

How to Maximize Your Dental Insurance Benefits?

To ensure you’re making the most of your dental insurance, follow these steps:

• Review Your Plan: Start by examining your benefits summary to understand what’s covered and any limits you might have. Look for any remaining coverage or co-pays that need to be utilized.
• Schedule Appointments Early: Book your dental appointments as soon as possible. As the year-end approaches, many people rush to use their benefits, making it harder to secure appointments. Early scheduling ensures you get the time you need.
• Consult Your Dentist: Discuss your treatment options with your dentist. They can help you prioritize necessary procedures and advise you on how to use your remaining benefits effectively.
• Check for Coverage Changes: Verify if there have been any changes to your plan’s coverage or if your dentist is still within the network. This helps avoid surprises and ensures you receive the full benefit of your plan.

Schedule Your Appointment Now

At Chandler Creek Dental Care, we are here to help you make the most of your insurance benefits and maintain optimal oral health. Don’t wait until it’s too late—contact us today to schedule your appointment and use your benefits before they expire. Let us assist you in achieving your dental health goals before the year ends.