Year in, year out, many people let their dental insurance benefits expire without realizing what that does to their dental health. The "use it or lose it" rule is in effect for most dental plans, where unused benefits are forfeited the second the calendar page turns. At Pittsfield Dental Studio, we encourage patients to get their money's worth out of their coverage before the dental benefit deadline arrives - because it's not just about your teeth, it's about your wallet too.
Every year, Americans collectively waste billions of dollars in unused dental benefits. One in ten patients ever approaches their annual maximum, according to the National Association of Dental Plans. That means most of us are paying premiums but not using all that they're covered for.
Dental insurance plans usually include an annual maximum - the total amount your provider will cover within a year. Once December 31 passes, that amount resets, and any unused portion is gone for good. Preventive services like exams and cleanings are often covered at little or no cost. By skipping them, you’re missing out on care that helps prevent larger issues down the line.
Think of it this way: preventive visits protect your oral health just like routine maintenance keeps your car in good working order. Consistent use of your benefits addresses issues before they reach crisis points, precluding expensive restorative work in the future. Ignoring your coverage might wind up costing you a lot more than a quick visit.
The majority of insurance plans expire each year in January. Your dental insurance timeline benefits you by making things more organized. If your plan covers two cleanings a year, get both - one at mid-year and another before the holidays. This ensures you fall within your plan's preventive care maximum without getting caught up at year-end.
If you have been delaying a filling, crown, or periodontal cleaning, this is the time to schedule the appointment. Using up your dental benefits this year helps you take advantage of benefits you have already paid for. Most patients also plan procedures for the next year in an effort to use two cycles of coverage. Careful planning of your dental benefits helps you get the most out of your benefits without paying more than you can afford.
Waiting until the end of the year only complicates the scheduling process. Small problems like cavities or swollen gums can become serious issues, with lengthy treatments. By crossing the dental benefit threshold, you bypass future costs and discomfort. Visits also improve overall well-being since research has linked dental health to heart and metabolic conditions.
Even if your teeth feel fine, preventive care ensures problems are caught early. You’ve already paid for the coverage - why not use it before it expires?
As the end of the year approaches, the dental clinics get filled with patients. Waiting too long might mean losing your opportunity to use your benefits entirely. Pittsfield Dental Studio advises patients to review their plans and book appointments before the rush.
The catch: your "use it or lose it" dollars are real money on the line. Acting now saves you money, keeps you healthy, and makes the most of your insurance investment.
Call us today to schedule your appointment before the dental benefits deadline is missed and start the new year with a happy, healthy smile.