Using Insurance Benefits Before the Year Ends

You can save a lot of money by utilizing your dental benefits before the end of the year. While some dental insurance plans work on a financial year, others run on a typical calendar year. If your dental insurance plan covers a full calendar year, it would be wise to use the full benefits of your current plan as it may not roll over to the next year unless you renew your premium. 

Although an insurance policy never influences treatment, our experience has shown that careful planning can help to maximize benefits. Most dental plans allow teeth cleanings and exams twice a year, besides some routine procedures. To prevent expensive future procedures, it is better to avail of preventative dental care utilizing your insurance.  

When Should You Use Your Insurance Benefits?

Most insurance companies have a benefit deadline before the calendar year ends. And this means that any of the unused benefits of your insurance policy do not continue into the following year. To make the most of your premium, take advantage of your policy and undertake the necessary preventive dental care.

How to Make Best Use of Your Insurance?

Ensure Optimum Usage

A standard dental insurance plan covers at least partially a wide range of services and treatments. By visiting your dental provider, you can find out about the options included in your dental plan and take maximum advantage of your insurance coverage. This can ensure your oral health is in top shape, all before your benefits end in the current year. 

Avail Preventative Services

Most dental insurance companies offer various preventative services, including cleanings, X-rays, and even fluoride treatments. At times, these services are 100 percent covered, making these treatments completely free. If you have not consulted your dentist in the past six months, you may be missing out on preventative services. It won’t cost you any money besides keeping your mouth healthy. You will have to utilize these benefits by the end of the year to get the most out of your dental insurance.

Advanced Procedures

The year’s end could be ideal for undertaking advanced restorations like crowns, braces, implants, veneers, and other extensive dental treatments that may require more than one visit. By doing so, you can maximize your insurance benefits and save money.

Fee Increase

Another reason to use your benefits is the possible fee increase of your dental provider. Some dentists may raise their rates at the beginning of the year due to the increased cost of living, materials, and office equipment. 

If you want to know more about your dental insurance policy services, visit us at Silicon Valley Dental Care, 5595 Winfield Boulevard, Suite 210, San Jose, CA 95123, or call us at (408) 224-1333 and schedule an appointment.