Dental Tips: The Top 4 Reasons to Use Your Dental Insurance Now

As each year ends, the traditional saying, “Out with the old, in with the new,” takes on particular significance—especially regarding dental insurance benefits!

To maximise your remaining dental insurance benefits before the New Year, visit your Yeronga dentist.

This is because the usual dental insurance plan rolls over on January 1st, and unused benefits from the previous calendar year are wasted.

This is important because you can save money and improve your dental health if you have unused dental insurance benefits!

The following are good reasons to use dental insurance before the year changes.

#1. Yearly Maximum

The yearly maximum is the maximum amount of money that a dental insurance policy will pay for your dental work within one full year. This amount can vary depending on your plan and provider, but typically, it renews every January 1st if you’re on a calendar-year plan.

The key thing to remember is that if you don’t use all your benefits by the end of December, the leftover balance doesn’t roll over into the following year.

This means any unspent portion of your yearly maximum is simply lost. By booking those appointments now, whether for routine care or specific treatments, you make the most of what you’ve already paid for and avoid missing out on valuable savings.

#2. Premiums

If you’re paying monthly premiums for your dental insurance, it only makes sense to take full advantage of it. It’s a good practice to schedule regular dental cleanings and exams, even if you don’t need urgent treatments.

Routine check-ups help detect and prevent issues like oral cancer, gum disease, cavities, and other ailments before they become more serious (and expensive).

Regular cleanings and exams can improve oral health and prevent serious dental problems. Many plans cover preventive care like check-ups and cleanings at little to no extra cost, so using these benefits is essentially part of what you pay each month.

#3. Fee Increases

As with most industries, dental care costs tend to rise over time. Factors like inflation, the rising cost of dental materials, equipment, and even staff wages can cause dentists to increase their fees at the start of a new year.

What does this mean for you? If you delay your dental treatment until next year, you may pay more for the same service than you would today.

Using your insurance before potential fee increases come into effect helps you avoid paying higher out-of-pocket costs. Taking action before January 1st could mean significant savings on services you need, especially if you’ve already met your deductible for the year.

#4. Dental Problems Can Worsen

One of the most critical reasons to use your dental insurance now is that untreated dental problems can worsen, leading to future more complicated (and costly) treatments. A small cavity that could be easily filled today might develop into a tooth that needs a root canal or even an extraction if left untreated.

Similarly, early-stage gum disease can progress to advanced periodontitis if not addressed promptly, leading to tooth loss and extensive treatment.

Procrastination on dental care is never a good idea, especially when insurance benefits are available to help cover the costs. By using your benefits now, you’re not only preventing future dental problems but also ensuring that you avoid the financial burden of more intensive treatments down the road.

Dental Insurance: Use It or Lose It!

If you require treatment, have a dental procedure coming up, or are past due for a cleaning and check-up, and haven’t fully used up your dental insurance benefits for this year, the time for health fund members to move is now.

Schedule before the end of December to achieve maximum dental insurance benefits and healthy smiles.

Ria Family Dental in Yeronga offers comprehensive care for your oral needs now and in the future. It also believes in a transparent, judgement-free environment where it all boils down to wonderful care.

We are next to the Yeronga Post Office. We are also adjacent to the Yeronga rail station, giving us a great stop for inexpensive dental requirements on your way home from work.

Visit your Yeronga dentist today!

For more information, call us at 0451 359 356 or utilise our online booking system here!

Visit us at 1/451B Fairfield Rd in Yeronga.