Use It Or Lose It: 5 Reasons Why You Need To Take Advantage Of Your Dental Insurance Now

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January 25, 2022

It is now January 2022. The previous year is over and the new year has begun. This is the perfect time to evaluate your dental health and make sure you’re keeping up with your regular checkups. And if you haven’t been regularly visiting the dentist, then it is the perfect time to start! After all, a new year means new beginnings and new habits. It is also a great time to make sure you are properly using your dental insurance benefits and not losing the advantages!

Did you know that most dental insurance plans reset at the beginning of the calendar year? That means you won’t be able to make use of any of the benefits from your dental insurance after December 31st. Every year many patients lose out on hundreds of dollars through their dental insurance provider, simply because they forget to make regular dentist appointments. You need to use or lose your dental insurance benefits. If you lost out on your dental insurance last year, and want to make the most of your dental insurance in 2022, now is the time.

Here are a few reasons why you should call us and make an appointment now to maximize your insurance coverage and take advantage of all the benefits your dental insurance provides:

Use It Or Lose It: 5 Reasons Why You Need To Take Advantage Of Your Dental Insurance Now

How Does Dental Insurance Work?

Dental insurance is different from medical insurance and it can be very confusing to navigate. Learn about basic dental insurance terms and coverage here.

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Preventive Treatments:

Most dental insurance policies cover at least two preventive visits a year. This includes dental exams and dental cleaning. If you haven’t taken advantage of this yet, you should now. Getting your teeth checked and cleaned regularly is an important part of maintaining oral health. It also ensures that any issues like cavities, gum disease, etc will be caught and treated early.

John Dudley
John Dudley
January 20, 2022
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I could not be any more fortunate and grateful for Dr. George Orfaly accepting me recently as a new patient! I switched over from my previous provider in a nearby community after receiving subpar care and at risk of losing two teeth. He and the entire team at Fisher & Orfaly Dental have made my transition a smooth and comfortable one, setting me at ease and swiftly on the path to a promising prognosis! I also know that both Dr. Orfaly and Dr. Fisher care a great deal about the community beyond the walls of their practice, too, both quite supportive of local nonprofit and charitable efforts. This all makes me feel wonderful about being a patient, one of the best decisions I've ever made. You and your family should consider switching to Fisher & Orfaly!

William Stewart
William Stewart
January 20, 2022
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Needed a new dentist in Salem, picked Dr. Orfaly by location. I met him before agreeing to my first appointment, and so far, have been very happy. I'm a curious sob, and credit Dr Orfaly for being patient with my atmospheric river of questions. He knows how to relate to patients, and seems to be on top of his game. Highly recommend.

Carol Gray
Carol Gray
October 21, 2020
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Everything about my dental experience is professional and considerate.

Peter Gaudreault
Peter Gaudreault
August 5, 2020
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Made you feel comfortable, right from the start. Definitely five stars found my new dentist!

Ed Schutte
Ed Schutte
January 10, 2020
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I have been a patient of Fisher & Orfaly for many years now. But recently, my whole family moved to the practice. Their approach has always been kind, caring and practical.

John Dudley
John Dudley
January 20, 2022
Star-ratingStar-ratingStar-ratingStar-ratingStar-rating

I could not be any more fortunate and grateful for Dr. George Orfaly accepting me recently as a new patient! I switched over from my previous provider in a nearby community after receiving subpar care and at risk of losing two teeth. He and the entire team at Fisher & Orfaly Dental have made my transition a smooth and comfortable one, setting me at ease and swiftly on the path to a promising prognosis! I also know that both Dr. Orfaly and Dr. Fisher care a great deal about the community beyond the walls of their practice, too, both quite supportive of local nonprofit and charitable efforts. This all makes me feel wonderful about being a patient, one of the best decisions I've ever made. You and your family should consider switching to Fisher & Orfaly!

William Stewart
William Stewart
January 20, 2022
Star-ratingStar-ratingStar-ratingStar-ratingStar-rating

Needed a new dentist in Salem, picked Dr. Orfaly by location. I met him before agreeing to my first appointment, and so far, have been very happy. I'm a curious sob, and credit Dr Orfaly for being patient with my atmospheric river of questions. He knows how to relate to patients, and seems to be on top of his game. Highly recommend.

Carol Gray
Carol Gray
October 21, 2020
Star-ratingStar-ratingStar-ratingStar-ratingStar-rating

Everything about my dental experience is professional and considerate.

Peter Gaudreault
Peter Gaudreault
August 5, 2020
Star-ratingStar-ratingStar-ratingStar-ratingStar-rating

Made you feel comfortable, right from the start. Definitely five stars found my new dentist!

Ed Schutte
Ed Schutte
January 10, 2020
Star-ratingStar-ratingStar-ratingStar-ratingStar-rating

I have been a patient of Fisher & Orfaly for many years now. But recently, my whole family moved to the practice. Their approach has always been kind, caring and practical.

Monthly Premiums:

If you’re paying your monthly premiums, you should take advantage of your insurance benefits. Any unused benefits will not roll over to the next year. Then all of your hard-earned money goes to waste! You need to use your dental insurance or you will lose that money. Even if you don’t need urgent dental treatment, you should still be consistent with your checkups. Don’t wait till the last moment to book an appointment. Take advantage of your dental insurance benefits before it’s too late.

Annual Maximums:

Most dental insurance plans have an “annual maximum” or “annual benefit maximum.” This is the total amount of money the dental benefits plan will pay towards the cost of dental care within 12 months. The annual maximum will vary depending on the dental insurance plan. This does not roll over into the new year so take advantage of them as soon as possible if you have any dental treatments that need to be done. In 2022, make sure to use your dental insurance benefits and not lose them!

Annual Deductible:

The annual deductible is the amount of money you should pay to your dentist out of pocket before your insurance company will pay for any dental services. Like annual maximums, this amount varies from one plan to another and it doesn’t roll over into the next year. Since the new year has begun, you need to meet your deductible amount and maximize your dental insurance coverage. Use the benefits available as soon as you can or lose out when 2023 arrives because then you will have to pay the deductible again for treatment.

Dental Problems:

We all know the famous saying: “Prevention is better than cure.” Take advantage of your dental insurance now and get your teeth checked. Most dental insurance either partially or fully covers basic treatments and most major treatments. So, if there are any problems, get them fixed immediately. Any delay and the problems will worsen and the treatment will get more expensive. It’s better to fix a small cavity now than to postpone treatment and risk it turning into a root canal later.

So, if you have dental insurance, put it to work for you. Don’t wait till the last minute to use it. At Fisher & Orfaly Dental in Salem, MA, Dr. Orfaly creates treatment plans that will maximize insurance benefits and reduce out-of-pocket payments so that you can get the best care without worrying about your budget. Book an appointment with us today.

This article was first posted on July 15, 2021, and last updated on January 25, 2022.
Maura Murphy
Maura Murphy
January 24, 2022
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I was not a fan of going to the dentist! One might say afraid… but thanks to the amazing team at Fisher & Orfaly I am back on track with my 6 month cleanings. The team did an amazing job calming my fears and I can actually say I may even enjoy going to the dentist now! The team is professional, accommodating, and they do a fabulous job cleaning my teeth! I am so grateful that they have me back on track with great dental habits. They certainly have given me something to smile about.

Corbin Bettencourt
Corbin Bettencourt
January 24, 2022
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Who likes to go to the dentist? Fear no more. Dr. Orfaly and his staff provide an environment of ease and professionalism that relieve the jitters that so many feel during visits to the dentist. Whether a routine check up or more complex procedure, our experiences have been most positive.

Jacqueline Traynor
Jacqueline Traynor
May 19, 2021
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I am someone who has been terrified of the Dentist from a very young age, but after seeing Dr. Orfaly and his team over the past couple of months I have 100% gotten over my fears. I have never felt more comfortable and taken care of by the staff. Everyone is so nice and down to earth they make you feel welcome! Dr. Orfaly even came in on a day they were closed because I was having extreme tooth pain, and he totally fixed the problem, I will never forget that. I’m so happy I decided to go to Fischer & Orfaly, best decision I’ve ever made!

Ashley Spencer
Ashley Spencer
April 1, 2021
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Dr Orfaly is the best dentist around! I have alot of anxiety around going to the dentist & Dr Orfaly always makes sure to check in to see how I'm doing & is so nice. If a referral is needed to a specialist, he makes the call for you & gets you an appt quickly (mine was even the same day) I love how they book you with the same dental hygienist for all cleanings.. Adds another level of comfort... Shoutout to mine, Kathy!! 😊

Martina Pena-Martes
Martina Pena-Martes
February 7, 2020
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Before coming to Fisher & Orflay my daughter hated coming to the dentist, she now looks forward to her appointments fully knowing and understanding every procedure being done. They make her visits pleasant each and every time, providing excellent service with the help of their friendly and knowledgeable staff.

Sam Smullin
Sam Smullin
January 22, 2020
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After many years of neglecting my my teeth due to fear of the dentist my dental issues got bad enough that I had no choice but to adress them. I randomly selected Fisher & Orfaly and am very glad that I did. Dr Orfaly did a great job while making sure I was as comfortable as possible.After completing the initial, extensive repairs my mouth looks and feels great. In the 10 years since I first visited I had had no new major work needed. Even better, I can walk into the office without that sense of dread that is familiar to so many people.

Dr. George Orfaly
Dr. George Orfaly, D.M.D.

About the author

Dr. George Orfaly is a Doctor of Medicine in Dentistry and has been practicing as a dentist in Salem, MA since 2005. He has consistently improved the lives of his patients by providing them relief, confidence, and healthy smiles. He believes that oral health is directly related to overall health and well-being. Dr. Orfaly has also been an active member of the American Dental Association, Massachusetts Dental Society, and North Shore District Dental Society.

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