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September 10, 2019

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Dental Insurance End of the Year

November 9, 2019

When it comes to dental benefit plans, millions of people each year are ringing in the New Year leaving money on the table. According to the National Association of Dental Plans, only 2.8% of people with PPO dental plan participants reached or exceeded their plans annual maximum. Did you know that you could actually save hundreds of dollars by using your dental benefits before the end of the year?

 

This is a fact that many people simply do not know. While some dental insurance plans run on a fiscal year, many others run on a traditional calendar year. If your dental insurance plan runs on a traditional calendar year, you may be able to save yourself hundreds of dollars overall.

 

Whether you’re paying for dental care through a benefits plan or using an FSA, your current plans will most likely run out on December 31. Don’t let your hard-earned dental dollars go to waste.

Many dental insurance companies have a benefit deadline of December 31, and this means that any of your unused benefits don’t roll over into the New Year for most dental plans. Still, some plans may end at different times of the year, so check your plan document or ask your employer to be sure.

If you have unused benefits, these will not rollover, so you should utilize all of the benefits while they are still active. These reasons will show you why you should make a dental appointment now at Avalon Dental Center:

  • Most plans typically pay 100% for preventive visits, so if you have not had one yet, this may be a good time to schedule one.

  • If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don’t need any dental treatment, you may have your regular dental cleanings to help prevent and detect some dental problems.

  • Possible fee increases - some dentists raise their rates at the beginning of the year due to the increased cost of living or equipment. A fee increase can also make your copay higher. Thus, if you need to see a doctor for any reason, you should do it while your current rates and copay remain, as they could potentially go up in the next year.

  • By delaying dental treatment, you are risking more extensive and expensive treatment down the road. For example, what may be a simple cavity now, could turn into a root canal later. As with dental benefit plans, talk to our professional dentists to see if you have any needs or procedures that need to be completed. You may be able to use your benefits to pay for these needs.

Once you've determined what your dental needs are, work with your dentist, benefits provider to figure out what is covered or contact your FSA administrator for a list of covered services and products. The professional team at Avalon Dental Center can look into this information for you.

Make any remaining dental appointments as soon as you know you need them to ensure your FSA dollars can be used in time. You have the best opportunity to get a Free Consultation at Avalon Dental Center.

 

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