The year is rapidly drawing to a close, so now is the time to check your dental benefits. The majority of dental insurance policies operate on the “use it or lose it” principle, so unused benefits die when the year dies. That leaves you with missed opportunities to take advantage of your dental coverage. At Stuart Family Dentist, we do not want to see that occur.

Before the year runs out, let’s dive into how you can use your dental insurance benefits wisely and not lose money. 

Understanding ‘Use It or Lose It’

You may have heard the term “use it or lose it” applied to your dental benefits, but what does that mean? Most dental insurance plans come with a set annual coverage level. If you don’t use your benefits by the end of the calendar year, any remaining balance is typically forfeited. These plans typically cover preventive services like routine cleanings, exams, and X-rays, and you might be surprised to find out that these services are fully covered or have minimal to no out-of-pocket costs.

Understand your dental insurance calendar year. If you don’t use your remaining benefits by year-end, you’ll have to wait until next year to get the same coverage – maybe missing out on needed care. Don’t wait until it’s too late.

Max Out Your Dental Coverage at Year’s End

Here are some simple ways to ensure you don’t miss out on the full value of your dental insurance:

• Schedule preventive appointments: These appointments cost you nothing or are minimal with insurance coverage, and catch problems before they get worse.
• Plan treatments now: If you have been putting off a filling, crown, or other treatments, now is the time to get them done. Most treatments can be planned so that you maximize your benefits.
• Check with your insurance provider: Confirm what’s left in your annual coverage and schedule appointments accordingly.

Strategic use of your dental coverage will keep your teeth in the best condition and save you from incurring more expenses in the future.

Act Quickly to Avoid the Year-End Rush

As the year draws to a close, dental offices become fully booked. Everyone is trying to utilize their benefits before they expire, and it becomes difficult to get an appointment. To avoid the inconvenience of last-minute scheduling, book now. By scheduling your appointments early, you can ensure that you are getting the care you need without the rush.

Don’t Let Your Benefits Go to Waste

Now that you understand how ‘use it or lose it’ works, don’t allow your dental benefits to lapse unused. At Family Dentistry of Stuart, we’re ready to help you make the most of your insurance, whether you need a routine cleaning or more advanced treatments.

Call us today to schedule your appointment and make sure you’re getting full use of your dental benefits before the year ends.