As December approaches, it’s a great time to take stock of your dental insurance benefits. Many plans follow a “use it or lose it” policy, meaning your unused benefits will vanish when the clock strikes midnight on December 31. To make the most of your investment, follow these practical tips and ensure your oral health gets the attention it deserves.
1. Focus on Preventive Care
Most dental insurance plans cover routine cleanings and exams at little to no out-of-pocket cost. If you haven’t scheduled your second cleaning for the year, now’s the time! These visits are not only essential for maintaining a healthy smile but also help identify potential issues early, saving you time, money, and discomfort in the long run.
2. Prioritize Gum Health
Your benefits can also cover periodontal treatments, which are essential for maintaining healthy gums. If you’ve noticed sensitivity, bleeding, or other signs of gum issues, now is a good time to address them before they worsen.
3. Don’t Delay Necessary Treatments
If you’ve been putting off a filling, crown, or periodontal therapy, prioritize these treatments before your benefits reset. Small dental problems can escalate quickly into bigger—and more expensive—issues. Using your benefits now helps you avoid those future complications and makes sure you’re not leaving money on the table.
4. Plan Strategically for Major Procedures
For larger dental needs, like root canals or dental implants, you can maximize your insurance by spreading the treatment across two calendar years. Start the process in December and complete it in January to make the most of your plan’s annual maximums for both years.
5. Check for Flexible Spending Accounts (FSAs)
If you have an FSA, it’s also worth noting that those funds often expire at year’s end. Dental care is a qualified expense, so consider using your FSA dollars to cover treatments or out-of-pocket costs before they’re gone.
6. Combine Benefits with Family Members
If your family is on the same insurance plan, check if anyone else could benefit from a visit before the year ends. Whether it’s your spouse’s overdue cleaning or your child’s cavity treatment, maximizing benefits for the whole family is a smart move.
7. Book Early and Look for Year-End Promotions
Dental offices tend to get busy as the year comes to a close, with many patients rushing to use their benefits before they reset. To ensure you get the care you need, schedule your appointment early. Additionally, some dental offices offer year-end promotions or discounts, so be sure to ask if there are any special deals available to help you save even more while maximizing your benefits.
Wrap Up the Year Smiling in Fort Smith, AR
Your dental benefits are designed to help you maintain a healthy smile—don’t let them go to waste! At Southern Dental Fort Smith, Dr. David Phillips and his team are here to help you navigate your insurance and get the most out of your plan. Schedule your appointment today and end the year with a confident, healthy smile ready for 2024!
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