As the year comes to a close, you should focus on using your dental insurance plans before it runs out. If you’re busy planning for the holidays, it can be tempting to postpone a dentist’s appointment until next year. However, by giving in to this temptation, you will be cheating yourself out of both health and money.
It is that time of year again! Time is running out to use your flexible spending dollars and dental insurance benefits before the end of the year. If you have dental insurance, your company likely gives you a maximum amount of available benefits. Typically, those benefits do not roll over into the following year.
Many people unwittingly throw hundreds of dollars away each year by not maximizing their dental insurance benefits. When you don’t use your dental insurance benefits every year, you are essentially losing the money you paid for your dental insurance premium. In addition to losing money, you could also experience changes to your coverage by your insurance provider. This could mean higher co-pays or term changes next year if you don’t utilize the insurance plan you already have.
Most insurance policies cover one or two routine dental check-ups a year, plus X-rays. Some even substantially cover certain procedures (like cavity fillings or crowns). By using your benefits and going to the dentist for regular cleanings, you can stay healthy and even avoid dental problems such as gum disease or tooth decay. Treating these problems early helps prevent them from causing other health issues and becoming much more expensive to treat, even with dental insurance.