As the end of the year approaches, your schedule might fill up with holiday plans and family gatherings. However, one crucial task deserves your attention before the clock strikes midnight on December 31: using up your dental insurance benefits. Most dental insurance plans operate on a calendar year, meaning any unused benefits are lost when January 1 rolls around. By acting now, you can ensure your smile stays healthy while maximizing the value of your insurance plan.
Here’s everything you need to know about why and how to use your dental insurance benefits before they expire.
Your dental insurance plan likely includes an annual maximum—the total amount your insurance will cover for treatments within a year. If you don’t utilize these benefits by December 31, the unused portion doesn’t carry over to the next year. That’s money you’ve essentially left on the table.
For example, if your annual maximum is $1,500 and you’ve only used $800, you’ll forfeit the remaining $700 at the year’s end. Scheduling your dental treatments now ensures you don’t let those hard-earned benefits go to waste.
Small dental issues can quickly escalate into major problems if left untreated. A minor cavity that can be filled today might require a costly root canal or crown tomorrow. By addressing issues early, you not only save money but also avoid unnecessary discomfort and inconvenience later.
Your insurance deductible is the amount you pay out of pocket before your insurance starts covering treatments. Once the new year begins, you’ll need to meet this deductible again, even if you barely used your benefits this year. Completing treatments before December 31 lets you avoid paying the deductible twice within a short period.
Most dental plans cover two professional cleanings annually. If you haven’t used your second cleaning yet, now’s the time! Cleanings are essential for removing plaque, preventing cavities, and catching oral health issues early.
If you’re wondering how to make the most of your remaining benefits, here are some common treatments to prioritize:
Start by checking your insurance plan to see how much of your annual maximum you’ve already used. This will help you determine what treatments can still be covered under your plan this year.
Dental offices are often busiest during the last two months of the year as patients rush to use their benefits. Call your dentist as soon as possible to secure an appointment.
If you need multiple procedures, consider scheduling them before year-end to maximize your current year’s benefits. For instance, if you need a filling and a crown, combining them into one appointment could save you money and time.
Flexible spending accounts (FSAs) and health savings accounts (HSAs) can help cover out-of-pocket dental expenses. Keep in mind that many FSAs have a “use it or lose it” policy, so funds left unused at year-end may be forfeited.
Delaying necessary dental treatments could result in:
Scheduling your appointment in early December ensures there’s enough time to complete treatments before the holiday rush.
Taking full advantage of your dental insurance benefits isn’t just about saving money—it’s about maintaining your oral health. By prioritizing your dental care now, you set the stage for a healthier, brighter smile in the coming year.
Don’t wait until it’s too late. Call Riverside Dental Center today at (951) 353-8454 and make sure your benefits work as hard as you do. With the clock ticking, now is the perfect time to invest in your oral health and secure your spot on the calendar.
Make this December about more than holiday cheer—make it about giving yourself the gift of a healthy, confident smile!
