You decide this year that you are going to buy your family season passes to your favorite amusement park. The tickets are good until the end of the year. The year comes and goes before you know it and you didn’t make it to the park at all. Just like that the season passes are expired. Now you are upset because you paid for something that you didn’t even use. What a waste! If you’re upset about that, why wouldn’t you be upset about paying for dental benefits and not using them? If you didn’t already know, dental insurance is on a use it or lose it basis. In other words, the maximum allowance that your insurance gives you for the year does not roll over to the next year if you don’t use it. Since you are paying a premium for your insurance make sure you utilize your benefits.
According to the national association of dental plans, about 2.8% of people with PPO dental plans reach or exceed their maximum benefit allowance. That means over 97% of patients with dental coverage do not take advantage of all their benefits. Most insurance plans run out on December 31st so it is best to take advantage of your benefits before then. After all, you pay for it so why not use it? Using your benefits for preventative dental care is most beneficial. Paying for preventive care is better than paying for a cure to fix a problem, right? Not only is it better for your health, but it is also better for your pocket. Usually, dental plans cover preventative visits at 100% twice per year. Now is a great time to come in for a routine cleaning and exam because if there is any treatment needed you can try to schedule before the holidays. So, if you’re not already scheduled, call your dentist today to schedule an appointment.