Use it or Lose it?

When discussing dental insurance benefits, the cliché phrase “use it or lose it” truly applies. Most dental insurances allow so many dollars per calendar year, and any dollars that are not utilized are lost. Additionally, the same philosophy applies to Flexible Spending or Health Savings Accounts, which force you to forfeit any left-over money that you have paid for. Therefore, it is in your best interest to use these benefits each year before they expire, and your money is lost.

2022 is coming to a close…

Sometimes it is possible and beneficial to complete dental treatment in phases. This works nicely at the end of the year and the beginning of the next year. Depending on your individual needs, careful planning to maximize your benefits remaining in 2022, while completing the remainder of your treatment in 2023 can provide you with more reimbursement than waiting to do all the treatment next year. But it is important to keep in mind that when insurance renews, there may be coverage changes, which includes changes in procedures covered and co-pays. The Ontario Dental Association’s annual Fee Guide which structures our service fees, will also usually increase. This means that your current treatment plan is the lowest cost that it will ever be.

Don’t forget the family!

When calling us, be sure to not only schedule for yourself but also for eligible family members. Don’t forget that we usually see an influx of patients at this time and the sooner you call, the more likely we’ll be to schedule your families’ appointments at times that work best for you.

What are you covered for?

Before scheduling a dental appointment, make sure to check the exact amount of your unspent dental benefits. Additionally, ask your insurance what is covered with your policy. It’s always nice walking into the office knowing what your out-of-pocket expenses may be. Click here to read the Canadian Dental Association’s overview of dental plans

Come and see us

Saving money shouldn’t be your only motivation when visiting the dentist. Routine visits can detect early problems like gum disease and oral cancers. In addition, it is important to remember that even a small cavity left untreated can become a bigger, more expensive dental problem in the future.

Be sure to use your dental insurance benefits before you lose them!

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