Many of our patients have dental insurance, and we take pride in doing everything possible to help you make the most out of your insurance benefits. The purpose of this note is to point out a way in which you may be able to more fully utilize your benefits. Your insurance policy allows for a certain dollar amount of coverage to be provided each year. In many cases these benefits can amount to over a thousand dollars! If you do not use your coverage during the year, you lose those benefits (unused coverage does not “carry over” into the next year.)
If you have outstanding dental treatment that you have not scheduled, it could be to your advantage to call us and schedule to have this treatment done before the end of the year, in order to utilize any outstanding benefits that you may have. If you need extensive dental treatment you may be able to complete your treatment in the new year, utilizing back to back insurance benefits for 2012 and 2013!
If you have any questions about this, or would like to schedule an appointment, please give us a call at 510-796-1656.
P.S. Most insurers go by the calendar year for their annual maximum benefit and deductible, but a few plans follow a fiscal year (July through June). Your employee benefits manager can tell you if your insurance is on a calendar or fiscal year.