As the year draws to a close, the hustle and bustle of the holidays often takes center stage. But while you’re shopping for gifts and preparing for festivities, there’s one thing you shouldn’t overlook—your dental insurance benefits.
For many dental insurance plans, benefits reset on January 1st, meaning any unused portion of your annual coverage disappears. Unlike cell phone data plans, dental insurance benefits typically don’t roll over. If you haven’t used them, you’re essentially leaving money on the table.
Here’s why that matters and how you can make the most of your benefits before they vanish.
The End-of-Year Rush
Most dental insurance plans provide a maximum annual benefit, often ranging from $1,000 to $2,000. This is the total amount the insurance company will pay toward your dental treatments in a benefit year. If you don’t take advantage of it, you lose access to those funds once the clock strikes midnight on December 31st.
This can be especially frustrating if you’ve been putting off necessary dental care. Preventive cleanings, fillings, or even bigger procedures like crowns or root canals may be covered partially or fully by your benefits. If you wait until January, you’ll have to pay for these procedures using a fresh deductible and co-pays—all while losing last year’s benefits.
The Holiday Spending Dilemma
We get it—the holidays are expensive, and it’s hard to prioritize spending on yourself. But here’s the thing: not using your dental benefits now could actually cost you more in the long run.
Delaying treatment for small dental issues, like cavities or gum inflammation, can lead to bigger problems down the road, requiring more invasive (and costly) procedures. For example, a simple filling left untreated could turn into a root canal. By addressing your needs now, you save yourself the stress and expense of future complications.
What About Out-of-Pocket Costs?
Some people hesitate to schedule dental work because of out-of-pocket expenses like deductibles or co-pays. However, there are easy financing options that can help:
- CareCredit: This healthcare credit card offers flexible payment plans, often with 0% interest for a set period. It’s quick to apply for and can be used for dental expenses not covered by insurance.
- Alphaeon Credit: Another patient financing option with convenient terms to fit your budget. Approval is fast, and it’s a great way to manage costs without delaying necessary care.
Signing up for these options typically takes less than two minutes and allows you to take care of your dental health without financial stress.
Don’t Wait Until It’s Too Late
The holidays are busy, but your oral health can’t wait. Taking care of your dental needs now ensures you get the most out of your insurance benefits, saves you money in the long run, and keeps your smile healthy and beautiful.
Contact us today to schedule your appointment before the year ends. At Restore Modern Dentistry, we’re here to make sure you get the care you need with flexible payment options that work for you.
Don’t let your benefits go to waste—invest in your smile now and start the new year with confidence!