The calendar year is quickly coming to an end, which probably means this year’s dental insurance benefits are as well.
Once the year is gone, so is that year’s funding.
And while the year’s end is busy for most of us, it is worthwhile to take a little time to see your True Dental Care Preston dentist to discuss what can be done with your remaining benefits.
It is the perfect time to schedule an appointment and take advantage of the benefits you’ve been paying for all year.
True Dental Care’s reasons to visit and use your benefits
Savings. Dental procedures can be expensive, even with insurance. You don’t want to be spending more than necessary or going into debt to keep your oral health.
By using available coverage at the end of 2018, you can save hundreds of dollars and potentially more. Most insurance benefits are tied to the calendar year and not the fiscal year.
This means that once December ends, the benefits you have attached to your dental insurance plan in 2018 are lost.
Appointments before the end of the year can save you a significant amount of money if they can be billed to your dental insurance.
So step number one is to check with your insurance company to learn what benefits you have remaining, then set about using them before the year is over.
Maximise the impact of your deductible. Every dental plan includes a deductible – the amount of money that you must pay out of pocket for dental services before your insurance coverage will pay.
Generally, this amount is small, but it varies by insurance provider. If you are uncertain what your deductible is, just ask your insurer.
If you have used your insurance during the year, you will most likely have paid your deductible by the time the year’s end rolls around.
Paid deductibles do not roll over to the next year, and any money you have put towards the deductible in 2018 will be reset to zero for 2019.
This means you will need to pay your deductible again before you can reach covered treatment. So, if you have already paid your deductible in 2018, it makes good sense to get additional treatment now, before the end of December.
Fee hikes. As with most things, your dental insurance carrier may raise their fees next year. Your premiums and deductibles are always at risk of increasing.
If your dentist discovers a dental problem that needs treatment, get it done this year to avoid paying more due to increases in the year to follow.
At True Dental Care Preston we work very hard to provide excellent dental treatment at affordable rates, but occasionally we must change our fees to keep up with rising costs that come from maintenance, training, materials, and regulations.
This, in tandem with the possibility of insurance costs going up, means that getting dental procedures done by the New Year can be a real bargain.
Dental problems often worsen. In general, True Dental Care Preston recommends you get dental issues treated as soon as possible.
Any kind of delay in receiving dental treatment can lead to additional problems down the road. What seems like a small issue today can become more severe as time goes by.
Getting regular dental checkups at True Dental Care Preston allows dental issues to be discovered, identified, and treated. Catching problems early means avoiding more extensive treatments when the problem worsens.
Complicated or expensive treatments that require multiple visits can be funded out of two separate years of insurance benefits.
Treatments that take time can be ‘split’ between the benefits you still have this year and the benefits that will come in 2019.
If you wait, you run the risk of using all of your benefits next year and then having to pay for dental care out of your own pocket.
There are many reasons to use dental insurance to help you avoid issues next year while saving money this year and next.
Contacting True Dental Care for an appointment can help you to avoid losing insurance benefits and can save you money and aggravation in the future.
True Dental Care for your Dental Health
The foundation of True Dental Care is a passion for healthy beautiful smiles. Our team is composed of Australian trained dentists, nurses, and a prosthetist.
We offer general dentistry, implants and cosmetic dentistry, and emergency services, all in our advanced facility with a highly-trained staff and cutting-edge technology and.
You can find us near the corner of Donovan St and Bell St, a convenient 25 meters from the Bell Train Station! Our convenient offices are on the ground floor.
True Dental Care Preston offers an extensive range of treatment options from pain management to implants and Invisalign.
Dental Insurance: Use It or Lose It!
If you are overdue for a dental clean and checkup, the time to act is now if you are a health fund member.
Most dental insurance funds offer no-gap cleans once or twice yearly, but your benefits do not roll over into the next year. This means that your benefits are wasted if you do not take advantage of them.
Schedule through the end of December so that they can achieve maximum rebates and healthy smiles this 2018.
Call (03) 9131 5952 or visit us at 358 Bell St in Preston.