As long as I'm on the subject of dental insurance (take a look at my last blog) it's time to talk about a big mistake that lots of people make with their dental insurance plan.
Because it's half way through August already and the time is flying by. Soon it will be Autumn and after that the year-end is getting near. Time really goes fast when you're having this much fun, right?
What's the mistake? Throwing away valuable dental insurance benefits! Why would you do that, you ask? I'll tell you.
Most insurance plans have an annual maximum benefit payment limit that usually expires at the end of the year. This means that if you don't use this year's benefits, you lose them! Unused benefits do not roll over at the end of the year. The dollars that your insurance company will pay you toward dental treatment that were not paid out at year's end, are lost dollars. They're just gone, and you can't get them back.
This is a big bonus for the insurance company, because they get the premium no matter whether they pay out benefits you could have gotten or not. They get richer and you get nothing for it.
If you have dental insurance, get your dental treatment done before December 31st! Or start some of your treatment NOW and continue treatment in January to possibly DOUBLE your benefits! This way you use double your yearly maximum in a two month period (December and January).
You or your company pay good money to get these benefits. Don’t put off treatment and lose your yearly allowance. Avoid the holiday rush and schedule today!
A Smart Patient doesn't sit around and throw away help. If there is care you need or care you just plain want, but have not gotten around to it, now is the time to get moving. Make an appointment. As Ben Franklin said, "Any job, once begin, is half done."
Be smart. Don't waste your benefits. Call your dentist!
