Before the year comes to a close, it’s worth reviewing the terms of your dental insurance policy. Did you use up all the benefits you'll otherwise lose at the start of the New Year? What about your flex spending account? If there are any funds leftover for medical care, now is the time to schedule that teeth cleaning or root canal treatment you've been putting off. Otherwise, you’re essentially leaving money on the table. Here’s what you need to know.
When Do Dental Benefits Expire?
The terms of your dental insurance plan will determine precisely when they expire. Generally speaking, most benefits do not carry over from year to year. That means you could lose all the benefits you haven’t used by December 31. For example, if your plan includes a yearly maximum of $1,000 and you’ve only spent $400 on teeth cleanings and X-rays over the last 12 months, that remaining $600 won’t roll over into next year.
How Can I Make the Most of My Dental Benefits?
Scheduling regular teeth cleanings is one of the easiest ways to maximize your dental benefits. Because they're considered preventive care, these appointments are usually covered in their entirety.
Also, consider how you’ll use next year’s coverage at the end of this year. While you can’t plan for dental emergencies or unanticipated abscesses, you can devise a strategy for addressing less pressing issues, like chips and small cavities, in the most affordable way. For example, treat one at the end of this year and the other at the start of the next so you only have to spend little to no money out of pocket.
If you have any dental benefits remaining, head to Legacy Dental Arts to maximize them before the year ends. Located in Eagle River, AK, this full-service practice has been treating patients throughout the area since 2007. With a commitment to lifting spirits and enhancing lives, their friendly team uses state-of-the-art technology to maintain beautiful, healthy smiles. To get started with a teeth cleaning, reach out online or call (907) 622-7874.