2018 will soon be coming to a close, and so will your dental benefits. We are writing to remind you to schedule your cleaning, exam and any other dental procedures as soon as possible in order to fully utilize your 2018 insurance benefits. These benefits, as well as healthcare flexible spending accounts, may expire at the end of December. Unlike medical insurance, healthcare flexible spending accounts and most dental insurance plans do not roll over to the following year. As such, any unused benefits dollars for 2018 will be lost.
Why Do Dental Insurance Benefits Expire?
When you have dental insurance, you pay a monthly premium that entitles you to dental care at a free or reduced cost, once your deductible is met. These dental plans specify a maximum amount insurance providers will pay toward preventative and/or restorative dental services after the deductible’s been reached—often that figure is between $1,000 – $2,000.
Let’s say, for example, that you’ve already paid your plan’s deductible and your dental benefit is $1,500. If you don’t use that amount before the end of the calendar year, you’ll lose it and be required to meet a new dental deductible in 2019.
Did you make use of biannual standard exams and cleaning?
Most insurance provide 2 standard exams and cleaning every year. This is a very important step to keep a close eye on the dental health and try to diagnose any issues early on that can help in preventing costly treatment later if left undiagnosed or untreated.