Don’t WaitIt’s not uncommon for patients to hold off on using their dental insurance just in case something happens. However, this plan can backfire in a few ways.
Lost MaximumsMost dental insurance starts on January 1st and ends on December 31st. This isn’t always the case so make sure to check with your provider. However, this means that you must use your maximum allowance during those 12 months or you’ll lose it.
Wasted MoneyPatients usually pay for coverage either through their employer or on their own. Either way, dental insurance typically isn’t free. But if you pay for dental insurance and don’t use the benefits, your investment was wasted.
Bigger Dental ProblemsThe best way to use your dental insurance benefits is to see your dentist in Cary at least every six months for professional cleanings, x-rays, and exams. These appointments can help catch problems early when they’re less expensive to fix and keep other big problems from happening.
Overlapping TreatmentDental benefits don’t necessarily have to be used on preventive care alone. In fact, some patients choose to use their maximums to help cover the cost of transformative cosmetic dentistry, such as veneers, or restorative dentistry like dental implants or crowns. If that’s the case, you may be able to start treatment at the end of the year using this year’s benefits and finish at the beginning of next year using 2022 benefits. Your dentist can help you determine the best way to maximize your benefits on the treatment you desire.
Flex Savings AccountEven if you don’t have traditional dental insurance, you may have a Flex Savings Account (FSA) that you can use toward dental care. However, like dental insurance, FSAs often expire on January 1st, so make sure you use the money you’ve already invested.
Do you have unused dental benefits that will expire once the clock hits midnight on January 1, 2022? If so, schedule an appointment with your dentist in Cary today!