Most dental insurance plans follow the calendar year, so knowing details about your insurance benefits is now more important than ever.
Use Them or Lose Them
If you are covered by dental insurance, you may be at risk of losing your unused benefits at the end of the year. You’ve paid the insurance company for your coverage and in return they provide reimbursement up to a certain dollar amount. When you don’t use all of the funds available to you, the money simply goes back to the insurance company. The unused portion doesn’t roll into 2018.
- If your company sponsors your dental plan, they control the benefits available to you each year. With the rising cost of health care, some employers reduce the benefits available from one year to the next.
- If you’ve already used some of your insurance this year, chances are you paid your annual deductible. Putting off treatment until next year means you will pay for the deductible again, creating more out-of-pocket expenses.
- Visiting our office for preventive care allows us to identify small problems before they become painful and more expensive to treat. If we’ve expressed concerns about your oral health, this is a perfect time to seek treatment. We still have appointments available in 2017.
- We can tell you the amount of benefits you’ve used in our office this year, but we may not have a complete picture. If you’ve used your benefits at a dental specialist’s office or other general dentist we will not have complete information, we suggest you contact your insurance carrier to identify the exact amount of benefits still available.
Our team is happy to create a plan that helps you get the treatment you need while taking full advantage of your insurance at the same time.
Connect with us online or call our office at (828) 631-3283 if we can assist you in any way.