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End of Year Dental Insurance Benefits

Use It or Lose It – Dental Benefits at The End of The Year

When it comes to dental insurance plans, many people do not use up or exceed their plan’s annual maximum by the end of each calendar year. Whether an individual is paying for dental care through a benefits plan or using an FSA (flexible spending account), most plans run out at the end of the year before January 1st. This means that unused benefits will be gone and will not roll over into the new year.

If you wish to use your dental benefits to their full potential, it is important to take advantage of simple procedures, annual cleanings, and routine exams whenever possible.

In addition to losing out on existing benefits, fee increases from your dentist in the new year could mean you will end up paying more for a simple procedure you had put off in the previous year, which would have cost less had you utilized the rest of your benefits.

Also, you may have already paid a deductible this year, but without using the remainder of your benefits, you will have to pay another deductible after December 31st before your insurance kicks in again and can be applied to future dental services.

A few ways to use up your dental benefits before they expire at the end of the year include the following:

  • Most plans cover 100% of the cost of preventive dental work, such as exams and cleanings. Schedule these routine procedures and check-ups early to use your dental benefits before end of year. Taking advantage of preventative treatments and procedures will also help you avoid costly dental work down the road.
  • Plan to use your coverage by talking to your dentist early in the year about what your dental needs are going to be and what treatments you will benefit from.
  • Determine what kind of procedures are covered by your insurance and plan accordingly. Your dentist will typically be able to find out this information for you, or you can contact your provider.

It is important to note that cosmetic dental procedures are not typically covered by dental insurance plans. This includes such things as teeth whitening services, adult braces, dental veneers, and other cosmetic treatments.

Contact Beyond Smiles – Your Family Dental Clinic in Park Ridge, IL

Whether you are searching for individual care, or family dental care in Park Ridge, IL, it is important to find a dentist you can rely on for comprehensive treatment. Contact Beyond Smiles if you are searching for a skilled dentist and/or periodontist near Park Ridge. Talk to one of our friendly staff members about the insurance plans we accept by calling today.

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