Dental Insurance Benefits: Use it or Lose it! | Norlane Dental Surgery
It’s hard to believe that 2021 is almost over (and so are your dental insurance benefits). We are all looking forward to brighter days in 2022!
However, before this year ends, you may still have a long to-do list of things you want to accomplish. A visit to your dentist should be on that list.
If you do not make a dental appointment before December 31, you could end up letting valuable benefits go to waste! Let’s talk about the reasons you need to maximise your 2021 dental insurance.
Reasons To Use Your Dental Benefits Now!
Yearly Maximum. This is the maximum amount that the dental insurance plan will pay for your dental work within the year. If you have unused benefits by the end of the year, they will not roll over to the next year. You will lose them as soon as that calendar page flips.
Deductible. The deductible is the amount of out-of-pocket money you must pay to your dentist before your insurance provider pays for any services. As soon as 2022 arrives, your plan requires you to meet that deductible again.
Premiums. If you are paying for dental insurance premiums by the month, you should also be using your benefits. Even if you have healthy teeth and don’t require treatment at this time, your regular cleanings and exams are usually covered at 100 per cent.
Fee Increases. Another reason to take advantage of your dental benefits before the year ends is the possible fee increase. Most of these increases occur at the start of every year.
Dental Problems Can Worsen. By delaying dental treatment now, you risk more extensive and expensive treatment. What may be a simple cavity could turn into a root canal problem later and maybe even lead to tooth loss.
Don’t Lose Your Dental Insurance Benefits
Several dental insurance plans reset at the start of each calendar year. You have services and benefits available throughout the year; then, the coverage resets on January 1.
If you have any unused benefits, then it’s time to schedule an appointment so you can make the most of your available coverage.
Since insurance coverage is usually based on the calendar year, it’s a “use it or lose it” situation. When the clock strikes 12mn on December 31, then your current benefits are gone.
With the holiday season upon us, it can be tricky to fit everything in. But it’s a great opportunity to prioritise your health.
We are located at 124 Sparks Road in Norlane.
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