Use Them Or Lose Them
Dental Benefit Plans
Many people with dental benefits get them through their employers, though individual plans are also available. Remember, when you buy a plan you and your employer are paying some premium – upfront dollars – that are wasted if you don’t see your dentist
When You Need to Use Them By
Many insurance companies have a benefit deadline of December 31, and this means that any of your unused benefits don’t roll over into the New Year for most dental plans. Still, some plans may end at different times of the year, so check your plan document or ask your employer to be sure.
Tips for Making the Most of Your Plan
The key with this type of coverage is to take advantage of any benefits before they expire for the year.
- Prevention is better than cure both for your health as well as your pocketbook. Most plans typically pay 100% for preventive visits, so if you have not had one yet, this may be a good time to schedule one.
- Start thinking about using your coverage early. During a dental appointment that’s over the summer or in the fall, talk to your dentist about what your dental needs are and what treatment you might need before the end of the year. (For example, a back-to-school appointment is a great time to bring this up.) Make any upcoming appointments early so you can take care of them before the holidays.
- Once you’ve determined what your dental needs are, work with your dentist and benefits provider to figure out what is covered. Often, your dentist’s office will look into this information for you. You can also call your plan using the 800 telephone number on your identification card, or go to their website for information.
Don’t let your benefits go to waste. Call to make an appointment today 832-830-8226
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