Dental Benefits: 5 Big Reasons to Use Insurance Benefits Before New Year’s


Why should you use your dental benefits before the end of the year?

If you have dental insurance, it’s important to get the most out of your benefits. Here are 5 big reasons to leverage your dental insurance benefits before the end of the year.


You pay for those benefits all year long

All year, a portion of your paycheck goes toward your dental insurance. Since you’ve already paid for those benefits, it only makes sense to use them.

At minimum, you should see your dentist twice a year. If you aren’t utilizing all of your appointments, you’re essentially wasting money.


Mom on the phone with her dental insurance


Annual dental insurance maximums don’t roll over

Many plans have a maximum amount the insurance will pay for dental care in a given year. Unfortunately, the annual maximum doesn’t roll over year-to-year.

So, if you don’t utilize the money your insurance will pay out for dental appointments in 2021, you will lose that money in 2022.



FSA benefits often expire at the end of the year

If you have a Flex Savings Account, or FSA, that can be used on dental care, your benefits may actually expire at the end of 2021. Depending on the plan you have, you may lose all the money in your FSA account at the end of the year.

Be sure you know whether your money rolls over to the next year or not. After all, that’s tax-free money that can be used to pay for dental care for you and your kids.


Photo of a paper cutout of a family, toothbrush, toothpaste, floss, and dental exam mirror. FSA benefits often expire at the end of the year, so it's important to use the money you've saved.


You’re close to hitting your annual deductible

If you haven’t quite hit your annual insurance deductible, but you’re close to doing so, it’s worth getting all of your dental appointments in before the end of the year. Particularly if you have prescriptions that apply toward your deductible, and your dental care also applies toward the same deductible, you might as well get the most out of your insurance benefits now.


Plus, the average deductible for dental insurance is $50. So, even if your dental care doesn’t go toward your health insurance deductible, it isn’t hard to hit your out-of-pocket maximum for dental.



Preventative care is far cheaper than dental treatment

Treatment for cavities is much more expensive than a preventative dental care appointment. Plus, the longer you wait, the more likely a cavity will evolve into a bigger issue, such as the need for a root canal.


Little girl smiling and high-fiving the dentist during her dental appointment

And if you think that children never need root canals, think again. Anyone with a severe enough infection could need a root canal, or even a complete tooth extraction.


Little boy smiling at dentist appointment. Smiling dental assistant is in the background, holding a tool for dental exam.


Leverage your dental insurance benefits today!

Don’t wait until your child has cavities to see the dentist. Even if you think your child has perfect teeth, it’s still important to tend to preventative care. Plus, you can get the most out of your dental insurance before the year ends.

On the flip side, don’t let the need for expensive dental treatments stand in the way of your child’s health. If you need financing help, or if you’re worried about the extent of treatment your child needs, please feel free to reach out.

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