The holiday season is just around the corner, and your schedule is likely filling up with events and obligations. But as busy as you may be, it might be sensible to add a few dental appointments to your calendar.
Even though this is a crazy time of year, you can save a significant amount of money by taking care of your oral health now, instead of waiting until 2017.
In a year where you only require the basic cleanings and exams, you will likely not be putting to use all of the money that you have paid in 12 months of premiums. You will begin to benefit from your coverage when more major procedures arise, some of which will be covered, and others will not. This once again comes down to the type of plan that you are paying for.
Did you know that the majority of dental plans run on a year-long cycle and start over on January 1? Which means that if you wait you can miss out on the chance to get expensive dental work done, and the opportunity to use your yearly maximum up as it is not carried forward, so it is money lost.
Below we will outline how this could affect you, and why using your dental insurance before the end of the year can help to save you money, so that you can pay off those credit cards after the holidays.
Read More: THE COSTS OF HIDING FROM YOUR DENTIST
The following is a short list of reasons to use your dental benefits before the New Year:
- You Pay Premiums: Regardless of if you have dental coverage through your work, you are still paying the premiums each month, and it just makes sense not to throw that money away. Coming in every six months for a cleaning is great for maintaining your oral health and preventing future dental problems, even if you don’t think you require dental treatment.
- Your Fees Could Increase: Some dentists increase their rates at the beginning of the year to make up for rising prices in equipment, wages or other costs. For this reason, alone you should take advantage of all of your benefits before the year-end. The cost of your workplace insurance premiums will go up if a fee increase takes place at your dentist’s office.
- Your Yearly Maximum: The amount that your dental insurance plan has agreed to pay up to for the year is called your yearly maximum. Most people have an average of $1,000 per year, but this can vary by insurance company and workplace. Unused benefits do not rollover to the next year, so it is wise to plan ahead before your calendar or fiscal year ends.
- Your Problems May Worsen: Perhaps the best reason to get in and see your dentist is that delaying treatment can mean that you will encounter more expensive treatment in the future. If you have any coverage left this year, call your dentist and schedule an appointment now, so that cavities and other minor issues can be treated before they become bigger problems.