My Local Dentists West Ryde – Top 4 Reasons to Use Your Dental Insurance Now
As the year changes, it’s important to remember that you will lose your dental benefits for the current year if you don’t use them.
Your dental insurance provides you with a specific dollar amount of insurance every year. On the other hand, if you don’t utilise your maximum coverage benefit, you will only lose those benefits. Unused benefits don’t roll over into the following year.
The yearly maximum typically renews each year on a calendar year basis, typically on January 1st. The benefits do not carry over to the next year and must be used by December 31st.
Therefore, if unused benefits are left this year, they will be forfeited in the first month of the following year.
My Local Dentists offers a no-gap promotion for new patients, including a general check-up, scale and clean, X-rays, and fluoride treatment (with any health insurance).
Here are some good reasons to use your dental insurance before the year ends:
1. Yearly Maximum
Your dental insurance comes with an annual maximum, which is the total amount your plan will cover for dental care within a calendar year. This maximum varies per person per year, depending on your insurance provider.
If you haven’t reached your yearly maximum, unused benefits will disappear when the year resets, usually on January 1st. These funds don’t roll over into the following year, so failing to use them means leaving money on the table.
Have you been postponing a dental procedure? Perhaps you’ve been meaning to schedule a check-up, a cleaning, or even more advanced treatments like fillings or crowns.
Taking action now allows you to maximise your benefits, ensuring your oral health is well-maintained without incurring unnecessary out-of-pocket expenses.
2. Premiums
It only makes sense to utilise your benefits if you pay a dental insurance premium. Preventive care is essential even if you’re not experiencing any obvious dental issues.
Most insurance plans cover routine cleanings, exams, and X-rays, crucial for maintaining oral health. These regular visits can catch potential issues early—such as cavities, gum disease, or oral cancer—before they become more significant problems.
By being proactive, you can avoid more expensive and invasive treatments. After all, you’re already paying for the coverage, so why not take full advantage?
3. Fee Increases
As with many other industries, the cost of dental care can rise over time. At the beginning of a new year, dentists may adjust their fees to reflect increases in materials, equipment, and operational expenses.
Unfortunately, these increases are often passed on to patients.
If you book your treatment before the year closes, you can avoid paying more for the same treatments.
Whether you need routine cleaning, restorative work, or other dental procedures, acting now helps you lock in the current rates and maximise the value of your insurance benefits.
4. Dental Problems Can Worsen
Delaying dental treatment can have severe consequences for your oral health.
A minor issue today, such as a small cavity, can develop into a much larger problem tomorrow, potentially requiring root canal therapy or tooth extraction. These advanced treatments are often more invasive, time-consuming, and expensive.
By using your dental benefits before the year is out, you can take care of any outstanding problems and prevent them from getting worse.
Regular check-ups can help your West Ryde dentist identify and treat problems promptly and effectively. Your future self will thank you for proactively approaching your dental health.
Dental Insurance: Use It or Lose It!
If you are long overdue for a dental clean and check-up, act now if you are a health fund member.
Most dental insurance plans offer no-gap cleans once or twice yearly, but your dental benefits do not roll over into the following year. Your benefits will go to waste if you do not use them.
Schedule before December ends to achieve maximum rebates and healthy smiles this year.
General Check-up, Scale and Clean, X-rays and Fluoride treatment (with any health insurance)
*for new patients only
Call your West Ryde dentist on (02) 9809 7000 or book your appointment online TODAY!
We are located at Shop 20 West Ryde Marketplace, 14 Anthony Road in West Ryde.