Most dental insurance plans have an annual maximum per person that does not roll over to the next year. That means on January 1, 2018, you will lose any unused dental insurance benefits. And if there is money remaining in a flexible spending account (FSA) or health care savings account that may also be forfeited.
Act now to avoid losing your maximum dental insurance benefits. Our schedule for November and December is filling up fast, so don’t wait to contact your dentist to confirm any remaining benefits. If you do, book a visit to begin or complete any necessary dental work ASAP!
Dental Insurance Facts
Dental insurance plans have a significant premium which you’ve been paying each month. In exchange for that amount, many plans provide a benefit of anywhere from $1,000 to $1,500 towards treatment at the dentist. If you don’t use that maximum amount by 12/31/17, it will not roll over to the next year. It’s use it or lose it when it comes to your maximum insurance benefits.
The best way to maximize your investment is to schedule an appointment Your treatment plan could take several appointments to complete -- we can help you maximize your benefits to potentially reduce any out-of-pocket costs.
If you have any funds leftover in a flexible spending account (FSA), they usually will not roll over. You can use this money for dental care, so don’t let it expire.
You can also save money by having preventive care completed this year. Checkups and cleanings, x-rays, and other preventive services are usually covered at 100% by your insurance, but they also count toward your annual maximum. Schedule an appointment to take care of any remaining preventive care in 2017 and save your maximum benefits in 2018 for more complex care should it be necessary.
Some plans come with a rollover period so you can use your benefits the next year, but usually just a portion of these funds are available. You will lose the majority of what you have paid for through monthly premium payments.
Paying for dental insurance is a significant factor in many families’ budgets.Schedule an appointment today to use up any remaining benefits that are set to expire at the end of the year. If you have a flexible spending account (FSA) or health savings account (HSA), don’t forget to use those funds, too. Booking your visit early will help to ensure maximize your benefits. Call our office to speak with a team member who will verify your insurance benefits and confirm how much you have left to use.
Let us help you take full advantage of your 2017 dental insurance benefits!