While you are busy making plans for the holidays this year, don’t forget to consider the insurance benefits you may have remaining for this calendar year.
Dental benefits reset every year, so the term “Use It or Lose it” has special significance when it comes to your dentistry. Insurance is a valuable benefit and one you should get the most out of, so be sure not to leave any of your 2017 benefits on the table!
Maximize Your Insurance Benefits
If your insurance runs on a calendar year, there are several good reasons to make sure you get the most out of your annual coverage:
Save money – Many patients lose track throughout the year and end up leaving benefits on the table that expire on December 31. Sifting through your policy can be tedious, so ask your dental office to help you determine what benefits you have remaining. If you need treatment, you can save a significant amount of money by making your appointments this year.
Get treatment before your deductible resets – Your deductible is the amount of out-of-pocket money you must pay before your insurance company covers any services. This amount also resets when your plan rolls over. If you have used insurance this year, you may be closer to reaching that amount than you think because average deductibles are around $50 per year.
Use up annual maximums – The annual maximum is the limit of how much your insurance will pay for your dental work during a calendar year. Maximums vary by company and plan but the average is about $1,000 per year. Like your deductible, your maximum resets every year, so be sure to take advantage of any benefits remaining.
Prevention can save you money – Even if you don’t need a filling or other dental work, be sure to use your benefits for dental cleanings and exams. When you address problems now instead of waiting, your dentist can find and treat minor problems before they become complicated and costly to fix.
Call Us to Check on Your Benefits
If you aren’t sure what benefits you have remaining, please call our Bonita Springs dentist, and a member of our team will be happy to assist you.