Many patients sometimes don't realize that they can't carry over benefit maximums from year to year (with limited exceptions - check with your plan administrator to see if your plan qualifies for a rollover.) With premiums increasing in cost from year to year, it's important that you use the monies that you've been allotted - otherwise you've just given the insurance company back a chunk of free cash.
Why Should You Use Your Benefits Now?
1. Yearly Maximum: Most insurances have a year maximum of around $1,000. Unused benefits do not roll over at the end of the year.
2. Deductible: Deductibles vary but usually are around $50 per year. This decutible may reset at the beginning of the year.
3. Premiums: If you are paying monthly premiums you should be using your dental benefits. Regular cleanings can help prevent more serious treatments later.
4. Fee Increases: Health care costs and insurance continue to rise. Most fee adjustments are made at the beginning of the year including increases in copays and deductibles.
5. Dental Problems Can Worsen: By delaying treatment you risk more extensive treatment later. A simple cavity now could be a root canal later.
Read the full article on about.com here.
We still have appointments available in our Spokane Valley, WA dental office with Dr. Travis Coulter and Dr. Elizabeth van den Hoven, and we'd love to see you! Please call our office at (509) 924-1314 to schedule your appointment before time runs out.
This is a great post. I like this topic.This site has lots of advantage.I found many interesting things from this site. It helps me in many ways.Thanks for posting this again. Dental implants Northampton
ReplyDeleteFantastic blog thanks for sharing such a great information
ReplyDeleteso many advanced treatments available for all dental problems.
Root canal treatment in chennai
invisalign cost in chennai
Root canal cost in chennai