Time is running out for you to use your dental insurance benefits before they expire at the end of the year. A lot of insurance policies have a “use it or lose it” clause, which means that any benefits that aren’t utilized up by the time the calendar turns around.
Thousands of people lose valuable dental coverage simply because they did not schedule their appointments in time. Do not let that happen to you—act now to make the most of your remaining benefits.
What Happens to Unused Dental Benefits?
Many dental insurance plans have a yearly cap, and if you have not used it, that money does not roll over. At the end of the year, your coverage resets, and any remaining benefits vanish. This means you might lose the chance to get essential treatments covered, like cleanings, fillings, or more complex procedures.
The “use it or lose it” structure works to the insurer’s advantage if you delay your care. By neglecting to take advantage of your coverage, you could end up paying out-of-pocket for treatments that would have been covered.
Many people miss out on hundreds or even thousands of dollars in benefits because they discover this too late. It is essential to schedule your appointment now while there’s still time to get the care you need to avoid this. The clock is ticking, and you do not want to let your dental benefits go to waste.
Common Treatments Covered by Insurance?
Here are some of the most common dental treatments that are often covered by insurance:
- Cleanings and check-ups: Routine cleanings and exams prevent decay and detect potential issues early.
- Fillings and root canals: Insurance often covers restorative treatments that stop decay and save teeth.
- Crowns and dental implants: If you need a crown or implant, insurance may cover part of the cost.
- Orthodontic work (for plans that include it): Some plans offer partial coverage for braces or other orthodontic treatments.
It is important to review your plan’s specifics to know exactly what is covered. This way, you can maximize your benefits by scheduling treatments before the year ends.
How to Maximize Your Dental Benefits?
You may save money and enhance your oral health by making the most of your dental insurance benefits before the end of the year. Here are some strategies to ensure you get the most out of your plan:
- Schedule routine exams and cleanings. If you have not had your bi-annual cleaning yet, make an appointment. Preventive care is often fully covered by insurance and can save you from needing more expensive procedures later.
- Plan for treatments that require multiple visits. If you need a crown, root canal, or similar procedure, it often requires more than one appointment. Starting now allows you to complete the work before your benefits expire.
- Combine benefits from this year and next year. If you need a more expensive treatment like an implant or orthodontic work, check if you can split the treatment costs between this year and next. This strategy can help you take advantage of two years of coverage, reducing your out-of-pocket costs.
- Use your deductible to your advantage. If you have already met your deductible for the year, additional treatments may cost little to no extra. This is a great time to schedule any pending treatments.
- Do not wait until it is too late. The closer it gets to the end of the year, the harder it will be to book an appointment. Call your dentist today to secure a time.
The Benefits of Preventive Dental Care
Preventive care, like regular cleanings and exams, is essential for maintaining long-term oral health. By following preventive treatments, you can catch issues early before they become more serious and costly. Small problems like cavities, gum disease, or enamel erosion are much easier to treat when identified early.
Insurance often covers preventive care in full or with minimal co-pays, so take advantage of these benefits. Regular cleanings also help avoid more expensive treatments down the road, saving you money in the long run. By prioritizing preventive care now, you can avoid the need for more costly procedures later.
Avoid the End-of-Year Rush: Book Early
As the year winds down, dental offices tend to get busier as more people rush to use their remaining benefits. Waiting too long to book your appointment may result in limited availability, and you could miss the chance to get the treatments you need.
Do not wait until December to schedule your dental visit—do it now to ensure you get a spot before the year ends.
By scheduling your appointment early, you avoid the stress of last-minute booking. You can take full advantage of your benefits without worrying about a packed schedule at the dentist’s office. It is especially important for those needing complex or multi-visit treatments. Take action now and avoid the year-end rush.
Don’t Let Your Benefits Go to Waste – Act Now!
At Valley Smiles, we are ready to help you maximize your dental insurance before the year ends. Schedule your appointment today and avoid missing out on essential care. Call or book online now to secure your spot before it is too late!
