Time is running out to use your dental insurance benefits in 2024: Use It Or Lose It

The end of 2024 is approaching, bringing with it the need to utilize your dental insurance benefits. The phrase “use it or lose it” underscores the importance of acting before December 31.

Benefits that remain unused will not carry over to the next year, resulting in lost coverage. Seize the opportunity to maximize your insurance benefits now, ensuring you do not forfeit valuable coverage and savings.

The Importance of Using Your Dental Insurance Benefits

Annual maximums, or the highest amounts the insurer would pay for your care within a year, are a common feature of dental insurance plans. If you do not use these benefits before December 31, you lose them. For example, if your plan covers $1,500 per year and you only use $500, the remaining $1,000 does not roll over into the next year. Instead, it has gone forever.

This situation can be costly. Imagine needing a dental procedure next year that costs $1,200. If you did not use your benefits this year, you will have to cover the entire $1,200 out-of-pocket. You can save your expenses dramatically by making use of your perks before they expire.

Moreover, skipping out on preventive care like cleanings and check-ups can lead to more severe issues down the line. Issues like cavities or gum disease, if left untreated, often require more expensive treatments. So, using your benefits now helps you save money and keeps your oral health in check.

Check Your Benefits and Coverage

Start by reviewing your plan details to make the most of your dental insurance. Look for your plan’s annual maximum and any remaining balance. Many insurance providers offer online portals where you can check your benefits status. Log in to your account and review your current benefits and claims.

If you are unsure about your remaining coverage or need more information, contact your dental insurance provider directly. They can clarify any questions about what is covered and how much of your benefits you have used. It is also helpful to ask about any deadlines or required procedures to ensure you use your benefits in time.

Plan Your Dental Appointments

Booking your dental appointments before the end of the year is essential. December is a busy time for dental offices due to the surge in patients looking to use their benefits. Schedule your appointments as soon as possible to avoid the rush.

Consider what dental procedures or services you need to complete. Routine cleanings and check-ups are a great start. If you have any pending work, such as fillings or crowns, now is the time to get them done. Planning ahead ensures you avoid any last-minute stress and make full use of your benefits.

Maximize Your Dental Insurance Benefits

Consider combining procedures to get the most from your remaining dental benefits. For instance, if you need a cleaning and also have a cavity, scheduling both in one visit can be more efficient and cost-effective.

Preventive care is another way to maximize benefits. Regular check-ups and cleanings are often covered at 100% by insurance. Keeping up with these visits can prevent more costly procedures later. Assess your current dental health and prioritize treatments that will provide the most benefit before the year ends.

What to Do If You Can’t Use All Your Benefits?

If you find that you won’t be able to use all of your benefits by year’s end, do not panic. While benefits typically do not roll over, you can still plan for future needs. Consider scheduling preventive appointments for the upcoming year to stay on top of your dental health.

Another option is to consult your dentist about treatments that could be completed within the next few months but are billed under this year’s benefits. Always communicate with your dental office to explore possible solutions for utilizing or transferring benefits.

Don’t Miss Out on Your Benefits!

Do not let your hard-earned dental benefits go to waste! Contact Flink Family Dentistry today to schedule your appointment and make the most of your 2024 benefits to understand the “use it or lose it” policy. Act now to avoid the end-of-year rush and ensure your dental care is fully covered.