Many employers offer dental insurance as part of their compensation package. The problem is many dental plans are “use it or lose it” proposition. In other words, if you don’t take advantage of the dental care that you are entitled to during the program’s term, your dental benefits may expire without being used.
In many instances, dental plans work on a calendar year. That means they may begin on Jan. 1 and end on Dec. 31. If that’s the case, if you don’t use the dental benefits included in your compensation plan by the end of the year, that means you essentially are paying for nothing!
Make no mistake: Dental insurance isn’t something most employers offer out of the goodness of their hearts. It is part of the compensation package in the same way as your salary or hourly wage is. So if you allow your benefits expire without using them, that’s like leaving money on the table.
Benefits offered as part of dental coverage often include things like annual or bi-annual teeth cleanings, dental exams, and possibly even treatments like fillings, bridges, or even braces, depending on the policy. Without insurance, the out of pocket cost for these procedures can be costly. So letting them go to waste is not advisable. Plus, if you have a deductible, it usually resets when the new policy term begins.
Call Today to Use Your Benefits
The wrinkle is that many people’s dental benefits expire at the end of the year. So there’s often a rush in November and December to get treatments done before dental insurance runs out. The holidays are often the busiest time of the year for many dental practices for exactly this reason.
If you want to ensure you are getting everything you and your family are entitled to under your dental insurance coverage, it’s a good idea to call today to schedule your appointment before the end of the year.
Don’t let your benefits go to waste. Call and schedule your appointment at McCosh Family Dentistry today.