Make the Most of Your Dental Benefits Today
As the year draws to a close, many of us are focused on holiday plans, family gatherings, and end-of-year to-do lists. But here’s one crucial thing you shouldn’t overlook: your dental insurance benefits. If you’ve been putting off that dental checkup or necessary treatment, now is the time to take action. Most dental insurance plans operate on a calendar year, meaning any unused benefits will vanish when the clock strikes midnight on December 31. Don’t let your hard-earned dollars go to waste—your smile is worth it!
How Does Dental Insurance Work?
Dental insurance can feel complex, but understanding how it works is essential for maximizing your coverage. Most dental insurance plans include:
- Preventive Care – Routine cleanings, exams, and x-rays are often fully or partially covered, helping you maintain a healthy smile.
- Basic Services – Fillings, root canals, and extractions typically fall under this category, with insurance covering a percentage of the cost.
- Major Services – Crowns, bridges, dentures, and other restorative procedures often require a higher out-of-pocket contribution.
Most plans operate on a use-it-or-lose-it basis, which means the benefits you paid for this year won’t roll over to the next. You can avoid leaving money on the table by scheduling any outstanding treatments now.
4 Reasons Why Maximizing Your Dental Benefits is Important
Failing to maximize your dental insurance benefits can lead to missed opportunities for essential care. Here’s why acting before year-end is so critical:
1. Preventive Care Saves Money and Pain
Routine dental cleanings and exams are the foundation of good oral health. Skipping these appointments increases the risk of cavities, gum disease, and other issues that could lead to costly and painful treatments later.
2. Your Annual Maximum Doesn’t Roll Over
Most dental plans cap the amount they’ll pay annually, often ranging between $1,000 and $2,000. If you don’t use those funds, they expire at the end of the year. Why let those benefits go to waste when you could use them to improve your smile?
3. Treatment Costs Could Increase Next Year
Dental practices often adjust their fees annually to keep up with inflation and rising costs. You can avoid paying higher fees next year by completing your treatments now.
4. Flexible Spending Accounts (FSAs) Have Expiration Dates Too
If your employer offers an FSA to cover medical and dental expenses, those funds also typically expire at year’s end. Using them for dental treatments is a smart way to ensure nothing is left unused.
How to Maximize Your Dental Insurance Benefits
To ensure you’re getting the most from your dental coverage:
- Review Your Plan – Check your insurance policy to understand what’s covered and how much your annual maximum remains.
- Schedule a Consultation – If unsure about your dental needs, book an appointment with your dentist in Lake Forest for an evaluation.
- Plan Treatments Strategically – Work with your dentist to prioritize necessary treatments, especially those that fit within your remaining benefits.
- Ask About Split Billing – Some treatments can be divided between the current year and the next to maximize insurance payouts.
Standard Procedures to Consider Before Year-End
If you’ve been postponing dental work, now is the perfect time to act. Standard procedures to prioritize include:
- Cleanings and Exams – Preventative care is often covered fully or at a minimal cost.
- Cavities and Fillings – Address minor issues before they become bigger and more expensive.
- Crowns or Bridges – Major restorations can be planned to fit within your remaining benefits.
- Periodontal Treatments – Gum health is critical to overall dental wellness.
Why Choose Kirsch & Moradi Dental?
At Kirsch & Moradi Dental, your dentist in Lake Forest, we are committed to helping you achieve optimal oral health while making the most of your dental insurance benefits. Our experienced team will guide you through your insurance policy, ensuring you maximize coverage and receive top-quality care. From routine cleanings to advanced restorative procedures, we’re here to ensure your smile is ready to shine this holiday season.
Take Action Today: Schedule an Appointment With Your Dentist in Lake Forest!
The clock is ticking—don’t waste your dental insurance benefits. Schedule your appointment with Kirsch & Moradi Dental today and take the first step toward a healthier smile. Whether you need preventive care or restorative treatments or simply want to explore your options, our team is here to help.
Visit your dentist in Lake Forest at https://www.92630dental.com/ or call us today to book your appointment. Don’t wait until it’s too late—your smile and wallet will thank you!