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Dental Insurance Benefits: Use it or Lose it! | Ria Family Dental

by | Nov 4, 2021 | Dental Insurance

The New Year is fast approaching, and most private dental insurance benefits expire on December 31st.

Unfortunately, most insurance providers do not roll over the benefits – they take a “use it or lose it” approach.

If you have any required treatment, complete them before the calendar year ends so you can maximise your dental benefits.

Reasons To Use Your Dental Benefits Now!

Yearly Maximum

Dental insurance plans have an annual maximum they are willing to pay within a calendar year. If you need any restorative treatments, it makes sense to take advantage of these unused benefits since they don’t roll over into the following year.


The deductible is the amount of out-of-pocket expenses you pay your dentist before your insurance company pays for any services. As soon as 2022 arrives, your plan requires you to meet that deductible all over again.


Through your insurance provider, you’re currently paying dental insurance premiums every month; therefore, you should be using your benefits. You should have regular dental cleanings and check-ups looking for early signs of gum disease, cavities, gum recession and even oral cancer.

Fee Increases

Another reason to use your dental benefits before the year ends is possible fee increases. Most of these fees increases occur at the beginning of the year.

Dental Problems Can Worsen

By delaying your dental treatment, you are risking more extensive and costly treatment. What may be just a simple cavity now could turn into a root canal problem later and maybe even lead to tooth loss.

Don’t Lose Your Dental Insurance Benefits: Use Them Today!

Several dental insurance plans reset at the start of each calendar year. You have services and benefits available throughout the year; then, the coverage resets on January 1st.

If you have any unused benefits, then it’s time to schedule an appointment so you can make the most of your available coverage.

Since insurance coverage is usually based on the calendar year, it’s a “use it or lose it” situation.

With the holiday season upon us, it can be tricky to fit everything in. But it’s a great opportunity to prioritise your health.

Contact our office right away so we can book an appointment that works well with your schedule.

Consult with your Yeronga dentist, call us on 0451 359 356 or request your appointment online.

We are located at 451 Fairfield Rd in Yeronga.

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