We all know that life gets busy. Between work, school, and family obligations, it’s easy to push dental appointments to the bottom of the list. However, letting your dental insurance benefits expire is essentially leaving money on the table.
The Economic Reality: A "Use It or Lose It" Model
Most dental insurance plans operate on a calendar year. This means that on January 1st, your insurance resets, and any unused maximums from the previous year vanish. You cannot carry them over. This includes:
- Annual Maximums: The total amount your insurance will pay for your care in a year.
- Health Spending Accounts (HSA): While some HSAs roll over, it's always best to check your specific plan's rules.
Smart Planning: Why Act Now?
- You Save Money: You utilize the premiums you’ve already paid.
- Prevent Price Hikes: Dental fees often adjust at the start of the year due to inflation and rising material costs. Locking in treatment now secures current rates.
- Prevent Worsening Issues: A small cavity treated now is a simple, less expensive filling. Left untreated, it could become a more complex and costly root canal or crown.
- Address Delayed Treatments: Have you been putting off getting a nightguard for grinding or a crown for a cracked tooth? Now is the time to get it done using your available benefits.
Don't let your hard-earned benefits go to waste. Call us today to check your remaining balance and schedule your visit before the year ends.
.jpg)