Most dental insurance plans follow the calendar year, so knowing details about your insurance benefits is now more important than ever.
Use Them or Lose Them
As the year comes to a close, you may be at risk of losing your unused dental benefits. You paid the insurance company for your coverage in exchange that they provide reimbursement in accordance with your plan. If you don’t use all of the funds available to you, the excess money goes back to the insurance company. The unused portion isn’t refunded to you, nor does it roll into 2022.
- If your company sponsors your dental plan, they control the benefits available to you each year. With the rising cost of health care, some employers reduce the benefits available from one year to the next.
- If you’ve already used some of your insurance this year, chances are you paid your annual deductible. Putting off treatment until next year means you will pay for the deductible again, creating more out-of-pocket expenses.
- If you maintain your yearly preventive care, we can identify small problems before they become a major issue that require expensive treatment. If we’ve expressed concerns about your oral health, this is a perfect time to seek treatment. We still have appointments available in 2021.
- Our office will be happy to let you know the amount of benefits you’ve used with us this year. However, to get a complete picture of what benefits are left, always consult with your insurance directly.
Our team is available to create a plan that helps you get the treatment you need, while taking full advantage of your insurance at the same time.
Connect with us online or call our office at (979) 968-9451 if we can assist you in any way.