As the year winds down, you may be thinking about holiday shopping, family gatherings, and everything on your to-do list—but there’s one thing you may not want to overlook: your dental insurance benefits.
Many dental insurance plans operate on a calendar-year basis, meaning your benefits may reset at the end of the year. If you’ve already met your deductible or have money remaining in your annual benefit maximum, November and December can be a great time to take a closer look at what you have available.
What should you check?
Your annual maximum: This is the maximum amount your dental insurance plan will pay toward covered services during the year. If you haven’t used all of it, those unused benefits typically don’t carry over into the next year.
Your deductible: If you’ve already met your deductible for the year, completing recommended treatment before your benefits reset may help you make the most of the coverage you’ve already earned.
Your remaining preventive benefits: Regular cleanings, exams, X-rays, and other preventive care are important for keeping small problems from becoming bigger—and potentially more expensive—ones.
Don’t wait until December!
One of the biggest mistakes patients make is waiting until the last few weeks of the year to schedule. December appointments can fill quickly, and some treatments require multiple visits or coordination with your insurance company.
If your dentist has recommended a filling, crown, periodontal treatment, or other dental care, November is a great time to ask what can realistically be completed before your benefits reset.
And remember: dental insurance is a benefit you’ve paid for. Understanding how your specific plan works can help you make informed decisions about your family’s dental care.
Before the holiday rush begins, take a few minutes to review your benefits and give your dental office a call. A quick conversation could help you avoid leaving valuable benefits unused—and start the new year with a healthier smile!
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