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Dental Insurance Benefits: Use it or Lose it! | Canley Heights Dental Care

by | Nov 3, 2021 | Dental Insurance

You’re probably wondering what does “use it before you lose it” in your dental insurance mean.

Did you know that at the end of the year, any dental benefits you have not used are wiped away, and your insurance benefits for the new year kick in? This means you may be throwing away hundreds of dollars every year!

By using as much of your dental benefits before the new year, you can be saving your family money. You never know if your child will need the whole of your benefits with unforeseen procedures, like a fractured tooth in the playground in the following year.

Some dental insurances run on a fiscal year, but most dental insurances run on a calendar year. This means that on January 1st, any dental benefits you had on December 31st gets reset; very few plans roll over those benefits.

If you have a calendar year plan, call our office, and we can work with you and your dental insurance to maximise your benefits.

Reasons To Use Your Dental Benefits Now!

Yearly Maximum

Dental insurance plans have an annual maximum they are willing to pay within a calendar year. If you need any restorative treatments, it makes sense to take advantage of these unused benefits since they don’t roll over into the following year.

Deductibles

The deductible is the amount of out-of-pocket expenses you pay your dentist before your insurance company pays for any services. As soon as 2022 arrives, your plan requires you to meet that deductible all over again.

Premiums

Through your insurance provider, you’re currently paying dental insurance premiums every month; therefore, you should be using your benefits. You should have regular dental cleanings and check-ups looking for early signs of gum disease, cavities, gum recession and even oral cancer.

Fee Increases

Another reason to use your dental benefits before the year ends is possible fee increases. Most of these fees increases occur at the beginning of the year.

Dental Problems Can Worsen

By delaying your dental treatment, you are risking more extensive and costly treatment. What may be just a simple cavity now could turn into a root canal problem later and maybe even lead to tooth loss.

Schedule Your Appointment Today!

If you’ve been putting off scheduling your dental appointment, now’s the time!

Taking a few minutes today to schedule a dental visit before the year ends could pay off big time for the future of your dental health and financial situation.

If you have any concerns about your insurance plan, deductibles, yearly maximums, etc., contact your insurance provider before you come in for your next appointment so you aren’t surprised by any unexpected fees.

Don’t Lose Your Dental Insurance Benefits: Use Them Today!

If you have dental insurance, take a year-end check of your plan and see if you can set it to work for you. It really is a “use it or lose it” proposition. Don’t lose it.

Visit us today!

Consult with your Canley Heights dentist, call us on (02) 9199 9678 or request your appointment online.

We are located at 1/229 Canley Vale Road in Canley Heights.

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