How to Benefit from ‘Use It or Lose It’ in Dental Insurance?

Did you know that your dental insurance benefits might expire at the end of the year, leaving you with unused coverage and a missed opportunity to save money? This is the “Use It or Lose It” rule, where any unused benefits don’t roll over into the next year.

This blog will explore how you can make the most of your dental insurance before the year ends.

What Does ‘Use It or Lose It’ Mean in Dental Insurance?

“Use It or Lose It” means that if you don’t use your dental benefits by the end of the year, they’re gone. Dental insurance typically resets every year, often at the end of December. Don’t let your benefits go to waste!

Common Benefits Under Dental Insurance Plans

Dental insurance plans typically cover preventive care like routine exams, cleanings, and x-rays at no cost. Basic services like fillings and extractions are usually covered with a portion paid by the patient.

Major services, such as crowns, root canals, and bridges, are often partially covered, requiring you to pay a portion. If orthodontic care is included, it can be a big help for families with kids needing braces or other dental appliances.

Why You Should Maximize Your Benefits Before the End of the Year?

Failing to use your benefits is like leaving money on the table. Unused dental benefits do not roll over, and you lose them. Taking advantage of your benefits before the end of the year helps you save on out-of-pocket expenses.

Plus, using preventive care now can avoid costly procedures in the future. It’s an opportunity to maintain good oral health while maximizing your dental plan’s value.

Strategies to Make the Most of Your Dental Insurance

1. Schedule Regular Check-ups: Book your dental exams and cleanings early if you haven’t already.
2. Pre-plan Major Treatments: If you need fillings, crowns, or other major work, try to get them done before the end of the year.
3. Use Remaining Funds for Optional Services: Consider using your benefits for teeth whitening or fluoride treatments if covered.
4. Maximize Orthodontic Coverage: If orthodontic benefits apply, get your braces or consultations in place before benefits expire.
5. Talk to Your Dentist: Discuss your treatment needs and how to prioritize care within your benefits window.

What to Do If You Can’t Use All Your Benefits?

Even if you can’t complete all your dental work, schedule an appointment for a routine cleaning or check-up to ensure you use your benefits. If there’s not enough time for everything, ask your dentist to prioritize treatments. This ensures you make the most of your available coverage before the year ends.

Keep Track of Your Dental Insurance Benefits

Review your dental insurance policy to see how much coverage you have left. Set a reminder to check your benefits about 3–4 months before the year ends. Contact your provider to ask about your remaining balance and any deadlines to avoid missing out on benefits.

Maximize Your Benefits Today with Castro Valley Advantage Dental

Don’t let your dental benefits go to waste. Schedule an appointment with Castro Valley Advantage Dental today and make the most of your “use it or lose it” benefits. Call us now to book your check-up and treatments before the year ends!