The Clock is Running Out: Take Advantage of Unused Dental Benefits Now!

Posted by Dr. Paul Esteso Nov 20, 2023

This is a thumbnail image of blog The Clock is Running Out: Take Advantage of Unused Dental Benefits Now!

Are you feeling the pressure of time ticking away? Well, when it comes to your dental benefits, that's exactly what's happening! As we approach the end of the year, it's crucial to make every second count and take advantage of those unused dental benefits before they vanish into thin air. 

Importance of Using Your Dental Benefits Before the End of the Year

Here are some important reasons why you should take advantage of your unused dental benefits before the end of the year:

  1. Maximize Your Coverage

Most dental insurance plans come with an annual maximum benefit amount, which is the maximum dollar amount your plan will pay for covered services in a given year. If you do not use up this entire amount by the end of the year, you lose it – it does not roll over into the next year. By scheduling any necessary treatments or procedures now, you can ensure that you are getting as much value as possible from your insurance coverage.

  1. Preventative Care Saves You Money

Preventative care such as routine cleanings and check-ups is often fully covered by dental insurance plans. These regular appointments are essential for maintaining good oral health and catching any potential problems early on before they become more serious (and expensive) issues down the road. By using your benefits to cover these services now, you can avoid larger out-of-pocket costs in the future.

  1. Use It or Lose It

As mentioned earlier, most dental insurance plans have a use-it-or-lose-it policy. This means that any unused benefits will not carry over into the next year. Essentially, you are paying for coverage that you are not using. By scheduling necessary treatments or procedures before the end of the year, you can ensure that you are getting the most out of your dental benefits.

  1. Premiums May Increase

Dental insurance premiums generally increase each year to keep up with rising healthcare costs. By using your benefits now, you can save money in the long run by avoiding potential premium increases in the future.

  1. Avoid Changes in Coverage

It's possible that your dental insurance plan may change or be replaced at the start of a new year. If this happens, there is no guarantee that your current coverage and benefits will remain the same. By using your benefits before they expire, you can take advantage of the coverage and benefits you currently have.

Tips for Maximizing Your Dental Benefits

Here are some tips for making the most out of your dental benefits:

  1. Understand Your Plan: The first step in maximizing your dental benefits is to understand what is covered under your plan. Take some time to review your insurance policy and know what services are included, as well as any limitations or exclusions.
  2. Schedule Regular Check-Ups: Don't wait until you have a problem with your teeth to use up your dental benefits. Scheduling regular check-ups and cleanings can help prevent more serious issues from arising down the line, saving you both time and money.
  3. Use In-Network Providers: Using in-network providers can often save you money since these dentists have pre-negotiated rates with insurance companies. Be sure to check with your insurance provider for a list of in-network dentists near you.
  4. Consider Timing: If you need extensive dental work done, try to schedule it towards the end of the year when you have already met your deductible and can take full advantage of any remaining benefits.
  5. Plan Ahead: If you know that you will need a specific procedure done, such as a root canal or wisdom tooth extraction, try to schedule it before the end of the year so that it falls within this year's coverage period.
  6. Don't Wait to Use Your Benefits: Remember that dental benefits do not roll over into the next year, so it's important to use them before they expire. If you don't use them, you lose them.
  7. Take Advantage of Preventive Services: Most dental plans cover preventive services such as cleanings and X-rays at 100%. Taking advantage of these services can help maintain your oral health and prevent more serious and costly issues from arising in the future.
  8. Ask About Payment Plans: If you have a large treatment plan that your insurance may not fully cover, ask the dentist about payment plans or financing options that can help make the cost more manageable.

By following these tips, you can make the most out of your dental benefits and save money in the long run. Be sure to keep track of when your benefits reset so that you can plan accordingly for future treatments. Don't hesitate to ask us for clarification on any coverage questions you may have.

Get in touch with Spectacular Smiles at 11500 State Hwy 121 Suite 820, Frisco, TX 75035, or call (214) 407-8012 for the best dental care.

Leave A Reply

Please fill all the fields.

Visit Our Office

Frisco, TX

11500 State Hwy 121 Suite 820, Frisco, TX 75035

Email: patients@dresteso.com

Book Now

Office Hours

  • MONBy appointments only
  • TUE8:00 am - 5:00 pm
  • WED9:00 am - 6:00 pm
  • THU8:00 am - 6:00 pm
  • FRI7:00 am - 2:00 pm
  • SAT8:00 am - 3:00 pm
  • SUNClosed
(214) 407-8012