Dental insurance plans provide much-needed financial assistance to individuals and families. However, many people do not take full advantage of dental insurance benefits before the year ends. There are many reasons why you should use your dental insurance before January 1.
Here are 4 reasons why you should use your dental insurance before the new year begins:
- Insurance may not cover all the work you need. By doing some work before the end of the year and saving the rest for the next year, you can enjoy the most savings. If you wait to do all the work until after the new year, new insurance premiums and deductibles will go into effect, possibly causing you to pay more than you would if you do some work before the end of the year. Furthermore, if your insurance does not cover all the work you need, you can use a portion of your current insurance benefits now and another portion after January 1. In this way, you can split the cost between this year and the next, which will make the insurance company pay for the majority of the work and save you the most money.
- Insurance benefits will disappear. Most insurance plans are based on calendar years. This means all the benefits you have built up throughout the year will expire on midnight of December 31 if your plan falls in this category. While some plans do reset at different times of the year, unfortunately, regardless of when your insurance resets unused benefits do not roll over into the next cycle. This means, if you don’t take advantage of your insurance benefits before the new cycle begins, you will lose them. You paid for your insurance benefits, and it is always a good idea to take advantage of what you paid for.
- Fees can increase in the new year. As soon as the new year begins, in keeping with rising material costs, dental fees may increase. This, in turn, can cause your dental insurance copay to increase, costing you more out-of-pocket every time you receive treatment. That is why it is important to use your dental insurance for necessary work before the year ends. You can take advantage of potentially lower fees and avoid paying higher copays.
- Dental problems can become worse. If you wait to get treatment for dental issues, you may face more expensive and difficult treatment in the future. Dental problems such as gum disease and cavities worsen over time. There is absolutely no clinical benefit to postponing any treatment that you currently need.
Call Our Office for an Appointment Today at (505) 835-2322
Using your dental insurance now can save you hundreds of dollars, as well as ensure you are maintaining your oral health. At Dental House, we provide thorough dental care in a safe and comfortable environment. Our staff is well trained and put you, the patient, first. With us, you will receive quality treatment from Albuquerque dentists who are passionate about their work.
Contact our office today to schedule an appointment. We also offer Saturday appointments for your convenience.