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Insurance Benefits

What happens to my insurance benefits if I don’t use them by the end of the year?

Many people do not entirely understand how dental insurance works. Dental insurance contracts usually are paid on an annual year. In other words, a plan may allow for $1500 of benefit in a calendar year, which means January 1 through December 31. A few plans operate on a fiscal year, which means the benefit cap is renewed on the anniversary date that the plan originated. Unfortunately, many people decide not to pursue necessary dental care because of the amount of money that they may have to pay out of their own pocket. This is exactly what the dental insurance companies are gambling will happen. If a person does not use his/her dental benefit for the year, which may range from $500-1500 on average, he/she simply

Unfortunately, many people decide not to pursue necessary dental care because of the amount of money that they may have to pay out of their own pocket. This is exactly what the dental insurance companies are gambling will happen. If a person does not use his/her dental benefit for the year, which may range from $500-1500 on average, he/she simply loses it. This insurance company is that much richer. It’s basically a “use it or lose it” situation. This is an important reason why dentists who are tuned in to their patients’ financial needs and situations will begin to encourage patients to pursue some of the work that they have been procrastinating as the year progresses. Of course, the dentist is usually most concerned about preventing a problem that would cause the patient pain and suffering if left untreated. However, because dentists are aware of how dental insurances work, suggestions for

dental insurance benefits

This is an important reason why dentists who are tuned in to their patients’ financial needs and situations will begin to encourage patients to pursue some of the work that they have been procrastinating as the year progresses. Of course, the dentist is usually most concerned about preventing a problem that would cause the patient pain and suffering if left untreated. However, because dentists are aware of how dental insurances work, suggestions for timing of treatment are often made as a courtesy to the patient so that the patient can best maximize his/her insurance benefits.

If you are in need of any dental work and have unused dental benefits, now is the time to take advantage.

Feel free to schedule an appointment with Dr. Huff in Dover, OH.

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