Insurance: Use it or Lose it

Summer is almost over, which brings to mind that the end of the year is fast approaching. Before the new year, it?s very important to make use of any dental insurance benefits remaining on your plan. Most dental plans run for a calendar year, and when the year ends those unused benefits simply expire. That means that any remaining benefits from 2016 do not roll over into 2017.

You will want to make the most of your dental insurance for many reasons. Mainly, you?ll save money. At the same time, you?ll be doing what?s best for your oral health.?In order to capitalize on your remaining benefits, you?ll want to begin the process now and not in December, as our bookings are already filling up fast for the rest of the year.

In order to help with the process, here are tips on dealing with insurance:

1. Maximize your money. Most dental plans contain a yearly maximum amount of dollars that the insurance company will pay out for your dental treatments, per family member. It?s important for you to know this amount. If that amount has not been used up by the end of the year, it?ll be money lost that you could have used towards your ongoing dental care.

If you require some extensive dental work, a great tip is to straddle your treatments on both sides of the calendar year (i.e. in the last few months of 2016, and the beginning of 2017). That way, you can make the most of your yearly insurance dollars for both years.

2. Avoid deductibles. Most insurance companies have a deductible. Once paid off, that deductible is often good for the whole calendar year. If you put off your visit to the dentist until after the New Year, you?ll have to repay that renewed deductible.

3. Save in the long run. Taking the best possible care of your teeth and coming for your cleanings regularly will save you time and money in the long run. That?s because it?ll prevent small and easily remedied problems from growing into big and expensive ones.

Call Colchester Dental today at 902-895-6282 or visit us online at http://colchesterdental.ca/ to book your appointment. Our team of professionals will help you make the most of your insurance benefits.