Dental Insurance Benefits: Use it or Lose it! | Warrnambool Dental
2021 is quickly coming to a close, and December 31st marks the end of the plan year for most dental insurance companies.
If you have dental insurance and your maximum coverage benefit is not fully used up, you lose those benefits because unused benefits do not roll over to the following year. Good news! You can still take advantage of your dental benefits before they’re gone.
Most dental insurance plans allow teeth cleanings two times every year. If you haven’t maxed out your insurance benefits for the year, we encourage you to call and schedule an appointment with your Warrnambool dentist before the year ends.
Reasons To Use Your Dental Benefits Now!
Yearly Maximum. Dental insurance plans have an annual maximum they are willing to pay within a calendar year. If you need any restorative treatments, it makes sense to take advantage of these unused benefits since they don’t roll over into the following year.
Deductibles. The deductible is the amount of out-of-pocket expenses you pay your dentist before your insurance company pays for any services. As soon as 2022 arrives, your plan requires you to meet that deductible all over again.
Premiums. Through your insurance provider, you’re currently paying dental insurance premiums every month; therefore, you should be using your benefits. You should have regular dental cleanings and check-ups looking for early signs of gum disease, cavities, gum recession and even oral cancer.
Fee Increases. Another reason to use your dental benefits before the year ends is possible fee increases. Most of these fees increases occur at the beginning of the year.
Dental Problems Can Worsen. By delaying your dental treatment, you are risking more extensive and costly treatment. What may be just a simple cavity now could turn into a root canal problem later and maybe even lead to tooth loss.
Don’t Lose Out On Your Dental Insurance Benefits!
If you have any unused benefits, then it’s time to schedule an appointment so you can make the most of your available coverage.
Since insurance coverage is usually based on the calendar year, it’s a “use it or lose it” situation. When the clock strikes midnight on December 31st, then your current benefits are gone.
With the holiday season upon us, it can be tricky to fit everything in. But it’s a great opportunity to prioritise your health. Contact our office right away so we can book an appointment that works well with your schedule.
Take a year-end check of your plan and see if you can set it to work for you. It really is a “use it or lose it” proposition. Don’t lose it.
We are located at 454A Raglan Parade, Warrnambool.