5 Reasons to Use Your Dental Benefits Before They Expire By William Stofer on December 01, 2016

You have earned your dental benefits and paid your premiums all year long! Use them before you lose them!

1. Delaying Treatment Could Cost You More Out-Of-Pocket

By postponing treatment, you may be opening the door for more extensive and costly treatment to be necessary in the future. What may be a simple cavity now can turn into a root canal or tooth extraction down the road. Treat your teeth with care now, and they will thank you for it in the long run.

2. Deductibles

The deductible is the amount of money that you pay out of pocket before your benefits begin to take effect. The fee varies depending on the insurance policy you or your employer chose for you. When your plan rolls over, you are required to pay your deductible again to start taking advantage of your benefits.

3. Premiums

If you are paying for dental benefits, you should be taking advantage of them! This sounds simple, but there are many people that do not exercise their benefits and let the insurance company take that money away from you, and put it straight into their own pockets.

4. Yearly Maximums

Your dental plan gives you a maximum of what can be spent on your dental care on an annual basis. This amount varies between insurance companies, and averages around $1000-2000 per person per year. These maximums are typically reset at the end of the year, and if you have unused benefits, they will be forfeited. Don’t let your benefits expire!

5. Fee Increases

Another reason to use your benefits now is because it is always possible that fees will be raised to accommodate for the cost of business or increased material costs. An increase in fees may also elevate your out-of-pocket expense. Today is the least expensive your treatment will ever be!