As the end of the year approaches, it is a good idea to check on your dental benefits to see if you still have some. If you do, it is important to take advantage of them before the stroke of midnight on December 31st, so you don’t lose them. Once January 1st arrives, your unused benefits vanish. If you’ve been putting off a visit to have your teeth cleaned or a tooth repaired, please don’t wait any longer to schedule your dental exams. It’s only going to get busier as the holidays arrive, making it more difficult for you to find the time to schedule an appointment.
It’s Your Money, So Use It!
If you have benefits left, why not use them now? The money is yours, and it is only going to go to waste if you don’t use it before the end of the year. Plus, if you keep putting off the dental treatments that you need, such as a filling or root canal, then your issues might become more expensive to remedy.
Another way to look at your benefits is to recognize that you have been paying to get them. Each month, you pay toward your dental plan. If you aren’t going to use all of your benefits, your insurance premiums are going to waste. In fact, the insurance company gets to keep your money and your benefits, if you don’t use them. It simply does not make sense to pay for something that you are not going to use. If you have dental insurance and a Flex plan, call your dentist today and schedule a much-needed treatment.
Find Out What Your Dental Plan Covers
Most dental plans have yearly limits that do not roll over to the next year. If you fail to use them, you simply lose the benefits. Make sure that you know what your limit is, so you can use your benefits in full. Most dental plans provide up to $1,000 or $1,500, depending on the plan and whether or not you are using a premium dentist. You can look at your documentation, sign in to your account, or ask us to find out what amount you have left to use on your current limit.
Most dental plans cover two dental exams a year and a set of x-rays. If you schedule your appointments regularly, you might not need additional dental treatments. However, it is beneficial to find out which dental treatments your insurance plan covers, so you can make arrangements to get a tooth repaired, fluoride treatments for the kids, or something else done using your existing benefits.
A Dental Visit Today Can Prevent Root Canal Next Year
Yes, it is true that a dental visit today might be all that you need to prevent a root canal next year. Protect your teeth by scheduling your dental exams twice a year.
In most cases, you cannot rollover unused dollars in your Health Savings Account or Flexible Spending Account. The staff at Smile Exchange is here to help you optimize your insurance benefits. Schedule Online or Let’s chat. Call us today if you have questions.