4 Reasons to Use Your Dental Benefits Before the End of the Year
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If you have dental insurance, it’s important to remember that the benefits won’t last forever. Your plan may have an annual renewal date or it may expire if you don’t use it within a certain amount of time, so there are plenty of reasons to get moving and see your dentist!
1. Yearly Maximums Don’t Roll Over
In most cases, you’ll have a yearly maximum on how much insurance will pay for your dental expenses in a given year. But if you don’t go to the dentist and you don’t use this money before your policy restarts, it doesn’t rollover. You should always try to use any and all benefits your insurance plan provides.
2. You’re Paying For It
If you’re paying for dental insurance through your employer, you will see deductions taken out of each paycheck. But if you don’t use the insurance, that money is wasted. Even if you don’t necessarily need services like cosmetic dentistry, you should still see your dentist twice a year for exams, x-rays, and cleanings. Talk with your dental office to see what your insurance will cover for these visits. If you have been diagnosed with periodontal disease or have had a deep scaling, you are urged to be seen 3-4 times a year to maintain your gum and bone health, so that your disease does not relapse or worsens.
3. Waiting Can Be Worse
Numerous dental issues start without ever showing a symptom. But that can quickly change. This is one reason why bi-annual visits to your dentist are so important. Your dentist can catch potential problems when they’re easy to fix and less costly. But if you don’t use your insurance benefits and don’t see the dentist regularly, dental problems can become more difficult to fix and potentially more expensive. After all, dental insurance doesn’t cover everything, so it’s better to use these benefits on preventing problems in the first place.
4. Don’t Forget About Your FSA
If you have a Flexible Savings Account (FSA) through your employer that can be used on dental care, know that these benefits may also expire at the end of 2021. Again, this is a savings plan that you paid money into. Make sure you get the most out of your investment.
Don’t wait until December to take full advantage of your dental benefits. With holiday schedules and the chaos that comes with them, your dental office is sure to book up quickly.
Schedule your appointment today!
Alma L. Garza, DDS