Use Your Dental Benefits Before The End of The Year

Dental_BenifitsIf you’re not experiencing an urgent issue with your teeth or gums right now, it may seem silly to time your next dental visit so that it occurs before the end of 2014. But because of the way many dental benefits are structured, it can be a smart move to schedule an appointment before December 31. And because many dental challenges can silently wreak destruction in your mouth for months or years before you are alerted to their presence, there’s no time like the present to take steps to ensure you have a healthy smile!

Reasons to schedule an end-of-year dental appointment today

Annual benefit maximums.Many plans that cover dental benefits have a cap on how much the insurance provider will pay out in a given calendar year. These benefits are “use or lose,” meaning the dollar amount of work that could be covered typically does not roll over and accumulate from year to year. If you need procedures that might be costly, you can speak with your dentist to determine if some of the work can be done now, on your 2014 benefits, and if some of it can wait until 2015.

Deductibles. Many dental plans have a fixed minimum amount you must pay before the plan will cover anything. This late in the year, you may have paid most or all of that deductible, reducing your overall out of pocket costs if you make an appointment now, versus doing it after the first of the year.

Demand. Don’t wait to make an appointment in November or December. Most of your friends and neighbors are in a similar situation and may also want to use their benefits by the end of 2014. Plus, as the holidays near, schedules just get busy.

The last two months of the year are a good time to learn about your dental benefits. Many insurance companies offer explanations of basic dental insurance terms on their website and can answer questions about how much they will cover for certain services.

“November and December are the perfect time to use your dental benefits to wrap up needed dental work or to squeeze in a check-up,” says Dr. Carol Ford, a cosmetic dentist practicing in central Phoenix.

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