Take Advantage of Your Dental Insurance by the End of the Year
It’s that time of year again where you have to renew or sign up for new dental coverage. Have you taken advantage of yours so far this year? Dental benefits reset at the start of the year, which means if you haven’t used your insurance yet, you’re wasting it! Put aside time right now to schedule an appointment with your dentist before your calendar fills up with more obligations and holiday festivities. Dental insurance isn’t just for emergencies, you can use it during cleanings you’re supposed to be getting every 6 months. Give yourself the gift of a healthy smile and quality oral hygiene today by using your dental insurance now!
Reasons to Use Your Dental Insurance
Did you know dental insurances win if you don’t maximize your dental benefits by December 31st at midnight? Don’t let them win! Be part of the 3% of people who hit the ceiling of their insurance policy and milk the benefits of having insurance. You’d actually save money in the short and long run if you just utilize your dental coverage by the end of the year. Paying off your deductible works out too, as it’ll decrease your out-of-pocket expenses and make bigger dental work more appealing. Maximize your use of your dental insurance to spend every penny you’re putting into it and get in return stronger, healthier teeth. Work with your dentists’ office and they will help you discover the amount of unspent benefits you have left.
Here’s a key reason why you should maximize your dental benefits before the end of the year – your deductible. Your deductible will reset at the beginning of the year, with no exceptions. All dental insurances come with a deductible. Deductibles are the amount you must pay to the insurance company before they will assist you in paying for any dental work. The amount differs between insurance companies and policies, but they can range anywhere from $1000-$5000. This isn’t the same as premiums, which you pay every month to keep your insurance, or co-pays which is the out-of-pocket fee you pay to the dentist every time you go. That’s why if you pay your deductible, there’s no reason for you not to use your dental insurance to have work done on your teeth.
Another reason that should encourage you to use your dental insurance before the year ends is the possibility of coverage changes. Insurances companies may change their policy that’ll reflect the following year, which can affect your co-pay and procedural costs. Using your dental insurance now before any changes go into effect will let you squeeze one more appointment that’ll help prevent or detect dental problems like cavities, gum disease and oral cancer.
For those that have a flexible spending account (FSA) or healthcare savings account (HSA) you’ve even more reason to use your dental insurance. The money that goes from your paycheck into these accounts has a time restriction on them. For FSA accounts, the maximum amount that rolls over per year is $500, fortunately HSA accounts roll over indefinitely. The money you put in helps pay down pricey treatments and co-pays, giving you all the more reason to maximize your dental insurance. For FSA accounts, check with your employer to learn your specifics dental benefits so you can take advantage of them by the end of the year.
If this hasn’t been enough encouragement to get you to schedule your trip to the dentist yet, here’s one more reason. The holidays are drawing near, and appointment blocks are filling up on dentists’ calendar. Many people are seeing this as an opportunity to make the best use of their dental coverage before the year ends, what further reason do you have not to?
Schedule your dental appointment today with One Stop Implants & Dental. With two locations in Norwalk, CA and Van Nuys, CA you’ve the opportunity to get quality dental work and utilize your dental insurance. It’s a win-win situation for you! Your regular cleanings and exams are usually 100% covered under your dental insurance. We accept most PPO insurances, Indemnity, Denti-Cal and Healthy Families plans. Contact us today for more information and answers to your questions about your dental insurance.
