As we move into December, chances are you have a lot of things on your mind and demanding your attention. Whether you’re getting excited for the impending holidays or finishing up projects at work, this is an extremely busy time of the year.
Despite the hustle and bustle, though, there is one thing you really shouldn’t forget as the year comes to an end: your dental benefits.
Most dental plans reset every year, and you will lose any unused benefits on January 1st.
Remember, these are benefits that you – or your employer – have already paid for. The money is spent. And, unfortunately, it won’t carry over into the new year. It all resets. And anything you didn’t use will go to waste.
So, don’t let any outstanding treatments go unattended. Your insurance company certainly isn’t going to remind you to use your benefits (people not using their benefits is how they make a lot of money every year), so it’s up to you to get it done.
Make an appointment with your dentist here in Longmont and use your benefits before you miss out on something you are entitled to.
Maximize Your Insurance Benefits
There are a couple ways to make sure you’re maximizing your benefits each year, and they’re based on how most dental insurance programs work.
The first is to use up your annual maximums. Most plans have a limit on how much they will pay for your dental work within a calendar year. This could be a thousand dollars or more (on average) and that will cover a lot of work.
You have paid for this coverage, and you’re entitled to it, but it will disappear if you don’t use it. So, make sure you are using what is available to you.
Second, since most plans also have a deductible that you must pay out of pocket, once you’ve hit that number, you can start using your benefits. While the deductible usually isn’t that much, it also resets every year. So, if you’ve already met the deductible, the next payment is the responsibility of your insurance provider.
Start Longer Treatments Now
Some treatments require more than one visit, which means this is the perfect time to get started.
If you have some benefits that have yet to be used, get these procedures started. We can help you create a plan to maximize your benefits by splitting the procedure between two appointments. This will help you maximize your benefits this year and then you can complete the procedure after your policy has reset.
One important thing to note: we don’t recommend putting off important treatments until the end of the year, just to try and use you benefits this way. The sooner you get the necessary treatments, the easier it will be to maintain your oral health. However, if you do have some benefits remaining, this might be the time to come in and get that treatment you’ve been putting off for a while.
At the Very Least…
A lot of dental plans provide coverage for two checkups a year. They want you to come in for your regular checkups because that can help prevent more expensive treatments down the road. So, even if you don’t have any outstanding treatments or major procedures coming up, be sure to come in for a checkup.
This is fast, simple, and probably covered by your benefits.
More importantly, you can start the new year with a focus on great oral health.