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  • Writer's pictureDr. Nahid Afshari

3 Reasons to Use Your Dental Insurance Before the End of the Year

The end of the year is coming fast,

and December 31st marks the end of the plan year for most dental insurance companies. You can save a lot of money by using your dental benefits now to attain great dental care, increase your oral health and get the most out of your benefits!

Most dental policies allow for a certain 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.

Most dental plans allow teeth cleanings two times per year. If you are due for a cleaning, have dental treatment pending or feel you may need treatment and you haven’t maxed out your insurance benefits for the year, we encourage you to call and schedule an appointment right away.

If you participate in a Flexible Spending or Health Savings Account, in most cases money left in these accounts at the end of the year is forfeited. These are benefits that you have paid for! Make sure to use them before you lose them!

Here are 3 reasons why you should make a dental appointment at Fair Oaks Quality Dental now.

1. Yearly Maximum: The yearly maximum is the most money that the dental insurance plan will pay for your dental work within one full year. This amount varies by insurance company, but the average is around $1,000 per year, per person. The yearly maximum usually renews every year (on January 1st if your plan is on a calendar year). If you have unused benefits, these will not rollover.

2. Deductible: The deductible is the amount of money that you must pay to your dentist out of pocket before your insurance company will pay for any services. This fee varies from one plan to another and could be higher if you choose an out-of-network dentist. However, the average deductible for a dental insurance plan is usually around $50 per year. Your deductible also starts again when your plan rolls over.

3. Premiums: If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don’t need a specific dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other dental problems.

Come on in to Fair Oaks Quality Dental. Make your appointment today. If for no other reason than to take advantage of your insurance benefits before the end of the year and get a check-up and cleaning and make sure your mouth is healthy. Delaying dental treatment is never a good idea and can lead to more extensive and expensive treatment down the road. What may be a simple cavity now, could turn into a root canal later. Yuk!

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