As we bid farewell to 2015, it is important that you take advantage of your dental insurance benefits before they expire come December 31st. You have paid your insurance premiums every month all year long – you have earned your dental benefits, so why let them slip away before the year ends?
Here are five reasons you should utilize your 2015 dental benefits before they expire at the end of the year:
Yearly Maximums – Most dental plans give you a maximum annual spend. The amount varies between insurance providers, but the average is usually $1000 per person every year. These maximums usually reset come January 1st and if you have unused benefits they will be forfeited.
Deductibles – Your deductible is the amount of cash you pay out of pocket before your dental benefits start taking effect. The fee varies between insurance companies, however, when your plan rolls over to the new year, you are required to pay your deductible again to start taking advantage of your benefits. In other words, if you have met your deductible and you need more dental work done, now is the time!
Premiums – This may be stating the obvious, but if you are paying for dental benefits take advantage of that and USE THEM! There are so many people who do not exercise their benefits and let the insurance companies pocket that unused money.
Benefits Could Change – Use your insurance benefits now because come 2016 it is always possible that your monthly benefits could change.
Dental Problems Don’t Get Better With Time – By delaying dental treatment, you may be opening the door for more in-depth treatment in your future. What may be a small cavity today could turn into a root canal or tooth extraction down the road. Treat your teeth with care now to keep them for a lifetime!