December 31 isn't just New Year's Eve. It's also the day your unused dental insurance benefits disappear. If you're like many people, you've paid premiums all year, but are you actually using the benefits you've already paid for?
Dental Insurance Benefits Don't Roll Over
Most dental insurance plans operate on a "use it or lose it" basis. That annual maximum you've been contributing to all year? It resets to zero on January 1st, regardless of whether you used it. For example, if your plan offers a $1,500 annual maximum and you've only used $400, you're leaving $1,100 of benefits on the table.
Thoughtful planning can help you make the most of your coverage. If you need significant dental work, scheduling some procedures before year-end and others in January lets you tap into two years of benefits.
Don't Forget Your Preventive Care with Our Greeley Dentist
Most plans cover preventive services like cleanings and exams at 100 percent, with no out-of-pocket cost to you. If you haven't had your two cleanings this year, you're throwing away free care. These appointments do more than just polish your teeth, because they enable your dentist to catch minor problems in their earliest stages.
Have You Been Putting Off Treatment?
You know that cavity your dentist mentioned six months ago? It's not getting smaller. Delaying necessary treatment typically means more extensive and expensive procedures in the future. A simple filling today might become a root canal and crown next year, costing significantly more, even with insurance.
Your Dental Insurance Benefit Clock is Ticking!
The final months of the year book quickly as patients rush to use their benefits. If you wait until mid-December, you risk limited appointment availability and potentially missing the deadline entirely.
Ready to maximize your dental benefits before they expire? Call Bagley Family Dental today at (970) 353-5664 to schedule your appointment. Our knowledgeable team will help you understand your remaining benefits and make the most of the coverage you've already paid for.