Your family calendar is getting filled with school activities, sporting events and other fun adventures. Autumn is here, and before you know it will be the holiday season and the year will be over. If your dental benefit plan is based on a calendar year, you want to use your benefits before they expire. Here’s why:
Yearly Maximum – The amount dental benefits plan will pay for your dental work within one full year. The amount varies, but the average is $1,000 per year, per person. The yearly maximum usually renews every year (on January 1st if your plan is on a calendar year). If you have unused benefits, these will not roll over.
Deductible – The amount you must pay out-of-pocket before your benefit company will pay for any dental services. This does vary; however, the average deductible is around $50 per year per person. Typically, a deductible applies toward dental restoration, not preventive services.
Premiums – Premiums are what you pay the benefits company for your coverage. If you’re paying dental insurance premiums every month, you need to use your benefits.
Dental Problems Can Get Worse – By delaying dental treatment, you’re risking more extensive and expensive treatment down the road. A simple cavity could turn into a root canal later.
Call us now to allow the most flexibility in meeting your scheduling needs before 2017 ends. If you have questions about your plan, or are unclear of the benefits available, please contact us. We’re happy to help you understand services you need and those that may be available at no additional out-of-pocket expense.