As the end of the year approaches, you’re likely focused on holidays, family gatherings, and wrapping up projects. But there’s one more important item for your to-do list: your dental health. Most dental insurance plans reset at the end of the calendar year, which means your unused benefits don’t roll over. Taking a few moments to schedule a dental visit now can help you make the most of the coverage you’ve been paying for all year.
At Sol Dental, we want to help you get the maximum value from your plan. This guide explains why acting now is a smart move and how you can easily use your benefits before they expire.
Why Your Benefits Expire
Dental insurance plans are designed to be used within a specific timeframe, which is typically the calendar year. Key components of your plan reset on January 1st, meaning you lose any unused value.
Here are the elements that often expire:
- Annual Maximum: This is the total amount your insurance provider will pay for your dental care in a year. Any portion of this maximum that you don’t use is lost.
- Deductible: This is the amount you must pay out-of-pocket before your insurance starts covering costs. Once you’ve met it for the year, your out-of-pocket costs for procedures are lower. Your deductible will reset in the new year.
- Preventive Visits: Most plans cover two cleanings and exams per year at little to no cost. If you’ve only had one visit this year, you have another one waiting to be used.
Additionally, if you have a Flexible Spending Account (FSA), those funds also typically expire at year-end. You can use your FSA for out-of-pocket dental costs, like deductibles and copays.
Smart Reasons to Schedule Your Visit Now
Booking an appointment before the year is over is more than just avoiding lost benefits. It’s a strategic way to manage your health and finances.
- Finish Outstanding Treatment: If you have a treatment plan that requires multiple visits, like a crown or root canal, starting it now allows you to use your current benefits. You can then use your renewed benefits next year to complete the work, making comprehensive care more affordable.
- Prevent Future Problems: A simple check-up can catch minor issues before they become painful and expensive emergencies. Using your benefits for a cleaning and exam is a proactive step toward long-term health.
- Address Known Issues: Have you been putting off a filling? Now is the perfect time to get it taken care of, especially if you’ve already met your deductible for the year.
Quick Actions You Can Take Today
Getting the most out of your remaining benefits is easy. Here are a few simple steps you can take:
- Book Your Final Cleaning: If you haven’t had your second preventive visit, schedule it now.
- Schedule Recommended Treatment: Address any outstanding fillings, crowns, or periodontal maintenance you’ve discussed with your dentist.
- Coordinate for the Whole Family: Check to see if everyone in your family has used their preventive benefits. We can help you schedule appointments together for convenience.
- Check Your Plan Details: If you’re unsure about your remaining benefits, a quick call to your insurance provider can clarify what’s left.
How Sol Dental Can Help
We know navigating insurance can be tricky, especially during a busy time of year. Our team at Sol Dental is here to make it simple. We can:
- Verify Your Benefits: We will review your remaining coverage and explain what your plan will pay for.
- Provide Clear Estimates: We’ll give you a transparent breakdown of costs so you can plan accordingly.
- Offer Flexible Scheduling: We will work with you to find an appointment time that fits your end-of-year schedule.
Set Up Your Final Appointment of the Year
Don’t let your hard-earned dental benefits go to waste. A healthy smile is always a great way to start a new year. Let the team at Sol Dental help you take full advantage of your insurance plan.
Contact us today to schedule your final appointment of the year. You can book by calling our office or using our convenient online scheduling tool.