Use Your Insurance Benefits by the End of 2024 or Lose Them

As the end of the year approaches, it’s time to start thinking about those often forgotten-about dental insurance benefits. Many people are unaware that their dental insurance plans operate on a “use it or lose it” basis, meaning any unused benefits will not roll over into the next year. This makes the last few months of the year a critical time to schedule any necessary dental appointments and procedures to make the most of your coverage.

There are several ways you can use your dental insurance this year to take advantage of your remaining coverage before it “resets” in 2025:

Preventive Dental Care

Most dental insurance plans cover preventive care such as routine cleanings, check-ups, and X-rays (pediatric fluoride as well) at little to no cost to you. These preventive services are essential for maintaining good oral health. They can help identify potential issues before they escalate into more significant problems. By scheduling these appointments before the end of the year, you can ensure that your teeth and gums are in good shape heading into the new year.

Maximizing Coverage

Dental insurance plans typically come with an annual maximum benefit, the maximum amount the insurance company will pay for covered services within a calendar year. If you have yet to reach your yearly maximum, it’s in your best interest to take advantage of any remaining benefits before they reset. If you’ve been putting off getting fillings, crowns, or even more extensive treatments like dental implants or orthodontics, now is the time to use your dental benefits before they disappear and go to waste. The team at Forcioli Family Dentistry in Lombard, IL can check your benefits to make sure your treatment plan is accurate and maximized.

Avoid Premium Increases

Dental insurance premiums tend to increase over time, and your plan’s coverage may change yearly. By using your benefits now, you can avoid potential premium increases in the future while still receiving the same level of coverage. The premiums generally increase with time even though the annual maximum benefits usually remain the same. This is unique to dentistry so it’s important to make use of dental insurance while you have it.

Protecting Your Oral Health

Neglecting dental care can lead to more significant oral health issues down the road. What may start as a small cavity or gum inflammation could become a more complex and costly problem if left untreated. By addressing any dental concerns now, you can save yourself from future discomfort, inconvenience, and expenses. If you still have dental benefits available, you can save a substantial amount of money treating minor issues now rather than waiting until they are major (more expensive) issues later. Using your dental insurance benefits before they expire can result in significant cost savings for you and your family. By taking advantage of covered services and treatments, you can reduce out-of-pocket expenses and make the most of the investment you’ve made in your dental health.

Making the Most of Your Dental Insurance Benefits

To get the most out of your 2024 dental insurance at the end of the year, we’ve provided some helpful tips:

• Schedule dental appointments for your family now. Waiting until the last minute could mean difficulty getting an appointment that works for you during the holiday season.
• Review your dental insurance coverage. Make sure you understand what is and is not covered, your deductible, and any copays due to Forcioli Family Dentistry in Lombard.
• Consider future dental needs and how you want to handle them. If you need a crown or filling, it may be worth doing it before the end of the year if you have funds that will expire at year’s end.
• Contact our office if you have questions. Our knowledgeable staff can help you navigate the complexities of dental insurance and maximize your coverage in 2024. Our team at Forcioli Family Dentistry is ready to help you make the most of your dental insurance!

Don’t let your dental insurance benefits go to waste! Taking proactive steps to use your benefits before they expire allows you to prioritize your oral health, maximize your coverage, and save yourself from future dental issues and expenses. Schedule your next dental appointment and maximize your benefits before the year ends. Call our office at Lombard IL Cosmetic Dentistry Office Phone Number 630-627-1495, and we’ll find a date and time convenient for you and your family. Dr. Forcioli and the entire team are ready to keep your smile bright and healthy.