As the end of the year approaches, it’s time to make sure you’re using all the perks of your dental insurance before they vanish. We know how vital it is to take full advantage of your benefits while you still can. Don’t let the “use it or lose it” policy catch you off guard—here’s how to ensure you get the smile you deserve before your insurance benefits disappear.
Why Timing Matters for Availing The “Use It or Lose It” Policy?
Most dental insurance plans work on a calendar year basis, which means:
- Unused Benefits Expire: If you don’t use them by December 31st, you lose them. Your benefits won’t roll over to the next year.
- Preventive Care is Often Covered: Routine services like cleanings and exams are typically covered 100%, so it’s in your best interest to utilize these before the year ends.
- Major Procedures Can Be More Affordable: Starting major treatments before the end of the year can help you maximize your coverage and split costs across two benefit periods if needed.
How to Maximize Your Benefits Before Year-End?
To ensure you’re getting the most out of your dental insurance, follow these tips:
1. Schedule Your Routine Check-Ups and Cleanings
Why It’s Important: Most insurance plans cover two cleanings and exams per year. If you’ve only had one, don’t miss out on the chance to schedule your second visit.
The Benefit: Keeping up with routine care helps prevent larger issues and ensures your smile stays healthy.
2. Address Any Existing Dental Issues
Why It’s Important: Small problems now can turn into major issues later if left untreated. Use your insurance benefits to fix cavities or get necessary fillings before they escalate.
The Benefit: Taking care of minor issues now avoids more expensive and complex treatments in the future.
3. Take Advantage of Preventive Treatments
Why It’s Important: Preventive treatments like fluoride applications and dental sealants are often covered by insurance and can protect your teeth from future damage.
The Benefit: These services are designed to keep teeth healthy and avoid more costly issues in the future.
4. Plan for Major Dental Work
Why It’s Important: If you need major dental work such as crowns, bridges, or implants, starting the process before year-end can help you use this year’s benefits and plan for any remaining costs in the new year.
The Benefit: Splitting the cost between two benefit periods can ease your financial burden and maximize your coverage.
Why Waiting Could Cost You?
Procrastination can have serious consequences:
Worsening Dental Health: Ignoring dental issues now can lead to more severe problems and higher costs later.
Increased Out-of-Pocket Expenses: Without using your benefits, you’ll face full prices for any treatments you need in the future.
Booking Challenges: The end of the year is a busy time for dental offices, so waiting too long may make it difficult to find an appointment slot that fits your schedule.
Make the Most of Your Benefits Now!
At Modern Smiles, we’re committed to helping you get the smile you deserve while making the most of your dental insurance benefits. Don’t let your coverage go to waste—schedule your appointment today to take advantage of all the benefits you’re entitled to before they disappear.
