Use It or Lose It: The Clock Is Ticking on Your Dental Insurance Coverage

Did you know that millions of Americans let their dental insurance benefits expire each year? Dental insurance follows a “use it or lose it” policy. This means if you do not use your benefits within the year, they vanish. Many people lose out on free or low-cost dental services because they wait too long. Do not let your benefits go to waste—act before time runs out.

Common Coverage Inclusions: What’s at Stake?

Most dental insurance plans cover a variety of essential services at little to no cost. These services are designed to keep teeth and gums healthy and prevent long-term issues.

• Routine Cleanings: Regular cleanings are often fully covered by dental insurance. They help prevent plaque buildup, tooth decay, and gum disease. Skipping cleanings could lead to costly treatments down the road.
• X-rays: Many insurance plans cover yearly X-rays, which help detect hidden dental problems like cavities and impacted teeth. Early detection can save you from expensive procedures later on.
• Cavity Fillings: Minor cavities can turn into major problems if left untreated. Fillings are typically covered up to a certain percentage, so it is best to take care of cavities early.
• Periodontal Treatments: Gum health is crucial to overall dental care. Most insurance plans cover treatments for gum disease, which, if left untreated, can lead to tooth loss.

Consequences of Delaying Dental Care

Delaying dental care may seem like a small thing, but it can lead to bigger problems later. Here are two major risks of putting off your dental visits:

• Higher Costs in the Long Run: Ignoring minor dental issues can lead to serious problems. A small cavity that could have been filled with insurance may turn into a costly root canal or crown. If you delay routine cleanings or early treatments, you will end up paying more out of pocket later for extensive procedures.
• Health Risks: Dental health directly affects overall health. Gum disease has been linked to heart disease, diabetes, and even stroke. Preventative care like cleanings and check-ups helps you avoid these risks. By delaying treatment, you put your health at risk, which could lead to expensive medical treatments down the line.

Why Now Is the Best Time to Book an Appointment?

• End-of-Year Rush: Dental offices tend to fill up quickly towards the end of the year. Many people realize they have not used their benefits and try to schedule last-minute appointments. Do not wait until it is too late—book now to secure your spot before the rush begins.
• Limited Appointments Available: With the surge of end-of-year bookings, appointment availability becomes limited. If you wait, you may not find an open slot. This means you risk losing out on covered services and will have to pay out of pocket later.
• Plan Ahead for Next Year: By using your dental insurance benefits before they expire, you can start the new year fresh. Get your routine treatments done now, and start next year without any dental issues looming over you. Plus, you will be able to plan ahead to maximize your benefits for next year’s coverage.

What You Can Do Today to Maximize Your Coverage?

To make the most of your dental insurance before the end of the year, follow these steps:

• Call Your Dentist: Schedule an appointment right away. The sooner you book, the more likely you’ll get an appointment before the year ends.
• Confirm Your Remaining Benefits: Contact your insurance provider or review your policy to see how much coverage you have left. Knowing what is available helps you plan your treatments effectively.
• Ask Your Dentist to Plan Treatments: If you need multiple procedures, ask your dentist to create a treatment plan that maximizes your coverage. They may recommend prioritizing certain treatments before the year ends.
• Do not Forget About Family Members: Make sure that your spouse and children are also up-to-date on their dental care. Many family plans have shared benefits, so it is important that everyone uses their coverage.
• Be Proactive: Do not wait until it’s too late. Take action today by calling your dentist or insurance provider. Staying on top of your dental care ensures you do not miss out on benefits that you are entitled to.

Ready to Smile? Call NJ Smiles Dental Today!

Do not let time run out on your dental benefits! Call NJ Smiles Dental now and schedule your appointment. Our team is here to help you make the most of your insurance before it is too late.