What does dental insurance have in common with Cinderella’s horse-drawn carriage? They reset at midnight—at least on New Year’s Eve for most dental plans. Most dental health plans have an annual maximum benefit they’ll pay out each year, and it resets at the beginning of the calendar year. Fairy tales aside, dental insurance plans can be confusing and most people don’t take full advantage of what they are entitled to. In fact, the National Association of Dental Plans estimates only 2.8% of people with a PPO dental health plan actually use or exceed their annual coverage benefits. That means a lot of people with insurance are not using it to their full advantage! These are benefits you’ve already paid for over the course of the year, so you don’t want to leave that money on the table.
Get what you’ve earned and maximize your savings!
- Most plans provide 100% coverage for cleanings and check-ups on a regular schedule, make sure you’ve gotten what you’re entitled to this year. If you’re due, schedule a cleaning and checkup.
- If your teeth are in good shape, ask Dr. Abrams about any preventative treatments that might be covered by your insurance plan before your 2022 benefits expire.
- If you have a lot of dental work that you’ve been putting off, ask if procedures can be split with some of them being performed in 2022 and then completed in 2023 when the new benefit cycle begins.
Don’t lose out on what you’re entitled to; there are no refunds for the insurance money you don’t spend. If you haven’t spent your benefits, make an appointment to see Dr. Abrams before the end of the year. Aside from making the most of your insurance plan, taking care of simple issues now can also save you money in the long run. A simple filling that’s treated early can help you avoid a more invasive and expensive root canal and crown later.
If you’re unsure about what you are entitled to, let us help you navigate your complex maze of dental benefits. We can also try to maximize your savings.
Schedule an appointment now while we still have time on the calendar. These end-of-year appointments will fill up fast, call us soon at 615.595.6111 to get an appointment!