It’s easy to get caught up in the excitement of holiday planning, but there is one crucial item you shouldn't leave off your end-of-year checklist: your remaining dental insurance benefits.
Most dental insurance plans run on a strict calendar year. Whatever coverage you have left over does not roll over to next year. When it comes to your dental care, "use it or lose it" is an absolute reality. Taking advantage of your remaining benefits before December 31st is the smartest move for both your wallet and your oral health.
3 Reasons to Maximize Your Dental Insurance Benefits Right Now
If your insurance plan resets on January 1st, waiting until the new year means leaving money on the table. Here is how you can stretch your annual coverage:
- You’ve Already Put Money Toward Your Deductible
Your deductible is the amount you pay out-of-pocket before your insurance kicks in. Many dental deductibles are incredibly low—sometimes just $50. If you’ve already hit that threshold this year, any additional treatment you receive before December 31st will be significantly cheaper. - Preventive Care is Usually 100% Covered
Most providers cover two professional cleanings and exams per year at zero or very low cost to you. If you’ve only had one cleaning so far, scheduling your second now keeps your teeth healthy and ensures you aren't wasting a benefit you already paid for. - You Can Tap Into Your Annual Maximum
The average dental plan has an annual maximum limit of about $1,000 to $1,500. If you have a cavity or need a minor treatment, scheduling it now allows you to use this year's maximum budget rather than eating into next year's pool of money.
Pro Tip from Five Parks Dental: If you require extensive treatment that exceeds your annual limit, our team can often split the procedure across December and January. This allows you to use two years' worth of insurance maximums on a single treatment plan!
Let Us Help You Check Your Insurance Balance
Unsure of how much coverage you have left? You don't have to navigate the confusing insurance paperwork alone.
Dr. Jesse Jenks and the team at Five Parks Dental are dedicated to helping our Arvada community get the most out of their dental plans. Contact our office today—our insurance coordinators will gladly look up your benefits, figure out exactly what is covered, and find a convenient time for your appointment before the holiday rush!