Did you know that over 30% of people with dental insurance fail to use their benefits before they expire each year? With annual limits and deadlines looming, it is crucial to take action now. Failing to use your benefits before they run out means wasted money and missed opportunities for essential care.
This blog will guide you through why it’s important to act now, how to check your benefits, and steps to ensure you maximize your coverage.
Why You Should Use Your Dental Benefits Before They Expire?
Financial Impact: One of the most compelling reasons to use your dental insurance benefits before they expire is the financial savings. Dental insurance often comes with an annual maximum—a set limit on how much the insurance will pay for your care each year.
If you do not use these benefits, you forfeit any remaining amount at the end of the year. By scheduling and completing necessary treatments now, you can significantly reduce your out-of-pocket expenses. Routine services, like cleanings and exams, are often covered at a higher percentage, making them more affordable when you use your benefits.
Preventive Care: Preventive care is a cornerstone of dental health and can make a substantial difference in your overall dental expenses. Regular check-ups and cleanings help detect early signs of problems such as cavities or gum disease.
Addressing these issues while they are still minor prevents them from developing into more serious conditions that require extensive treatment. For instance, a simple filling for a small cavity is much less costly than a root canal or crown for a more advanced problem.
By using your benefits for preventive care, you are not just saving money. You are also investing in your long-term health.
Avoiding Future Costs: Regular visits to your dentist can help avoid larger, more expensive procedures in the future. When you stay on top of your dental health, you can avoid complications that might require more complex and costly treatments.
For example, maintaining good oral hygiene and addressing small issues early can prevent the need for expensive restorative work down the road. By using your benefits now, you effectively minimize the risk of more severe issues that could lead to significant financial and health burdens later.
How to Check Your Dental Benefits and Coverage?
Review Policy: Start by thoroughly reviewing your dental insurance policy. Look for details about your annual maximum, what’s covered, and any specific deadlines. This will help you understand how much of your benefits are still available.
Contact Your Provider: Contact your dental insurance provider to get a summary of your benefits. They can provide specific details about what’s left and guide you on how to use it effectively.
Online Portals: Many insurance companies offer online portals where you can easily check your benefits. Log in to your account to view your remaining coverage and any upcoming deadlines.
Action Steps to Take Before Benefits Expire
Schedule Appointments: Do not wait until the last minute. Book any necessary dental appointments now to ensure you use your benefits before they expire. This will help you avoid the end-of-year rush and ensure timely care.
Utilize Remaining Benefits: Make sure to use up any remaining benefits for treatments or procedures. Whether it is a cleaning, filling, or other services, take advantage of your coverage while it lasts.
Consult with a Dentist: Talk to your dentist about your remaining benefits and any treatments you might need. They can help you prioritize your care and make the most of your insurance before it’s too late.
Common Mistakes to Avoid
Procrastination: Waiting until the last minute can result in missed appointments and unused benefits. Act now to avoid the stress of rushing at the end of the year.
Ignoring Smaller Issues: Do not overlook minor dental issues. Small problems can quickly become serious if not addressed, leading to more costly treatments later.
Not Understanding Coverage: Ensure you fully understand what your insurance covers. Misunderstanding your policy can lead to missed opportunities and unexpected expenses.
Take Action Today!
Do not let your dental insurance benefits go to waste! At Kelly Dental, we are here to help you make the most of your coverage. Schedule your appointment now and ensure you use it or lose it. Your smile—and your wallet—will thank you!
