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

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July 15, 2021

It is now July, and more than half of 2021 has passed. This is a great time to evaluate your dental health and make sure you’re keeping up with your regular checkups. And 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 want to make the most of your dental insurance, 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.

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. Make sure to use your dental insurance benefits and 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. If you have already met your deductible this year, you need to maximize your dental insurance coverage. Use the benefits available now or lose out when 2022 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.

About the author

Dr. George Orfaly

Dr. George Orfaly, D.M.D.

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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Patient Testimonials

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Deej Twombly
October 7, 2020

Coming to Dr Orfaly is The best decision I could have made. I didn’t have a dentist for years and they saw me when I had an emergency. Now I am getting all of my dental work here, perfect caps, bridges and hygiene. I highly recommend Dr Orfaly and his staff.

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Mica Bolotin
October 28, 2020

After having a negative experience with a filling with a past dentist, I was nervous to go to a new dentist with tooth pain. Dr. Orfaly and team were very understanding and knowledgable when walking me through my options for a cracked tooth. 10/10 would recommend due to their professionalism, attention to detail, and level of care. Thanks team!

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Ashley Spencer
April 1, 2021

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!

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