Make the Most of Your Dental Benefits Before the Year Ends

As the end of the year approaches, it’s the perfect time to take a closer look at your remaining dental benefits and strategize how you may use them. Many people don’t realize that their insurance coverage and other benefits often reset on January 1^st, meaning any unused benefits will disappear. By planning ahead, you can save money, maintain your oral health, and avoid last-minute stress.

1. Understand Your Coverage

Every dental plan is different, so start by reviewing your policy. Most insurance companies provide online benefit information to patients and dental offices, but some specific treatments may require a call or pre-authorization. You will want to know your annual maximum for the year, how much is remaining of your deductible and percentages paid for different categories of procedures. This will help you make smart decisions about any treatment you might need before your benefits expire.

2. Schedule Preventive Visits

Routine cleanings and exams are usually fully covered by insurance and play a key role in preventing bigger dental problems. If you haven’t had your second cleaning of the year, now is the time to schedule it. Prevention is good for your smile, health and bank account, too.

3. Complete Recommended Treatments

If your dentist has suggested any dental treatment, completing it before year’s end may save you money in the long run. You’ll be using the benefits you’ve already paid for instead of letting them go to waste and preserving your allotted benefits for next year in case of emergencies or other treatment being needed.

4. Plan for Multi-Stage Treatments

Some dental procedures, like orthodontic work or implants, require multiple visits. Starting treatment now may allow you to use this year’s remaining benefits and continue when next year’s coverage becomes available. Spreading billable treatment over 2 years’ worth of  benefits will usually increase the amount the insurance pays, sometimes even doubling it. Be sure to check with the dentist first if you have multiple or complicated treatments recommended.

5. Use Flexible Spending or Health Savings Accounts

If you have an FSA or HSA, don’t forget those funds may also expire or need to be used soon. Dental expenses like fillings, crowns, or mouthguards typically qualify.

6. Don’t Wait Until December

Dental offices get busy toward the end of the year as everyone rushes to use their benefits. Schedule your appointment as soon as possible to secure your preferred time and avoid the holiday rush.

If you’re unsure how to best use your remaining benefits, our team is happy to help you review your options and plan your care.

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Call us today for our assistance in checking your benefits or scheduling your next appointment to make sure your benefits don’t go to waste!

KN Dentistry – Orange, CA – (714) 633-2562

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