The Importance of Using Your Insurance Budget Before Year-End

shutterstock_216891070You may not know it is possible to save a great deal of money by using your dental insurance before the year ends. Certain plans run on a calendar year. If this is the way your benefits work, here are five reasons to schedule dental care immediately.

Deductibles. A deductible is the amount of money you have to pay out of pocket. Once you reach your deductible, your insurance kicks in and pays the remaining balance. Usually, your deductible is good for the year. This means you will have to start over and repay when the plan rolls over into the new year.

Yearly Maximums. Commonly, a dental plan has a yearly maximum it will pay. If you have a large amount of dental work that needs to be performed, it is wise to begin the work and take advantage of the maximum for the year. When the next year turns, you will have a new maximum to reach. Between the two years, you may have most of your costs covered without having to pay out of pocket.

Fee Increases. Due to the heightened costs of materials and equipment, it is common for dentists to increase their fees at the start of the new year. As the year changes and your plan renews, you may incur a higher copay as well.

Premiums. Each month, you probably pay your dental insurance premiums, so it only makes sense to take advantage of your coverage. Even if you have no major dental issues, visit your dentist for a cleaning and regular check-up.

Dental Problems May Become Worse. It is common to fear going to the dentist. Delaying treatment may cause extensive and costly damage. Visiting your dentist may uncover a cavity. However, when left untreated, this simple fix can lead to the need for a painful root canal or worse.

As another year is about to come to a close, it is essential to use your insurance benefits before they expire. Dr. Dana Walters is ready to treat any problems you may have and offer oral care tips to promote a healthy mouth into the future. Schedule an appointment today.

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