When it comes to dental benefit plans, millions of people each year are ringing in the New Year leaving money on the table. StatCan reported that over 64% of people in Canada have a dental plan. The National Association of Dental Plans reported that only 2.8% of people with PPO dental plan participants reached or exceeded their plans annual maximum.
How We Can Help You
Whether you’re paying for dental care through a benefits plan or using an FSA, your current plans will most likely run out on December 31. Don’t let your hard-earned dental dollars go to waste. Our team has broken down what these benefits are, when you need to use them by and how to make the most of your benefits.
Dental Benefit Plans
Many people with dental benefits get them through their employers. Many insurance companies have a benefit deadline of December 31, and this means that any of your unused benefits don’t roll over into the New Year for most dental plans. Be sure to check with your employer.
Tips for Making the Most of Your Plan
The key with this type of coverage is to take advantage of any benefits before they expire for the year.
- Prevention is better than cure both for your health as well as your pocketbook. Most plans typically pay 100% for preventive visits, so if you have not had one yet, this may be a good time to schedule one.
- Start thinking about using your coverage early. During a dental appointment that’s over the summer or in the fall, talk to your dentist about what your dental needs are and what treatment you might need before the end of the year. (For example, a back-to-school appointment is a great time to bring this up.) Make any upcoming appointments early so you can take care of them before the holidays.
- Once you’ve determined what your dental needs are, work with your dentist and benefits provider to figure out what is covered. Often, your dentist’s office will look into this information for you. You can also call your plan using the telephone number on your identification card, or go to their website for information.
If you are unsure if you have funds remaining in your account, give our Heritage Dental team a call today. We are looking forward to hearing from you!
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