As the year closes and we all look forward to the holidays to rest and enjoy time with our families, it is also an opportune time to take care of your oral health. This is especially important if you have been too busy and postponing that visit to your dentist through the course of the year!
You have paid your insurance premiums all year and you have EARNED your dental benefits, do not let them slip away before your remaining benefits expire at years end. Here are three financial reasons and one medical reason why you should use your dental benefits before the end of the year:
Three Financial Reasons to use your dental benefits before the end of the year:
1. Yearly Maximums
Your dental plan gives you a maximum of what can be spent on your dental care on an annual basis. This amount varies between insurance companies, and ranges between $1000-$3000 per person per year. These maximums are typically reset at the end of the year, and if you have unused benefits, they will most likely be FOREFEITED FOREVER.
The deductible is the amount of money that you pay out of pocket before your benefits begin to take effect. The fee varies between insurance companies and could be higher if you prefer to see a dentist that is out of your network. When your plan rolls over to the next year, you are required to pay your deductible again to start taking advantage of your benefits.
If you are paying for dental benefits, you should be taking advantage of them! This sounds simple, but there are many people that do not exercise their benefits and let the insurance company take that money away from you, and put it straight into their own pockets.
While the above financial reasons are certainly relevant, the most important reason is that Dental problems don’t get better over time. By delaying treatment, you may be opening the door for more extensive treatment to be needed in the future. What may be a simple cavity now can turn into a root canal or extraction down the road. Treat your teeth with care now, and they will thank you for it in the long run.