Maximizing Your Dental Benefits: A Year-End Guide
It’s hard to believe, but 2025 is almost here. The fall is in full swing, but it’s not just the holiday season that you should be thinking about—your dental benefits are also nearing their expiration date. Many dental insurance plans operate on a calendar year basis, which means any unused benefits will typically reset on January 1st. Here’s how to make the most of your dental coverage before the year ends.
Understanding Your Dental Benefits
Most preventative dental services, such as cleanings and exams, are covered 100% under most dental insurance plans. When it comes to restorative services, like fillings and crowns, most plans only cover a portion. But it’s important to know that if you don’t use your annual benefits, you lose them when the clock strikes midnight on the new year. Here are some suggestions we have for patients with dental insurance:
- Review Your Plan: Read over and make sure you understand your insurance policy. Understand what services are covered and the limits on those services. Most plans have an annual maximum benefit, usually from $1,000 to $2,000. Any amount you don’t use will disappear once the year ends.
- Know Your Deductible: If you’ve met your deductible for the year, you’ll want to maximize your coverage while you can. If you haven’t, consider scheduling any necessary treatments now to help offset costs.
Schedule Those Appointments
We know that everyone is busy with the new school year, and only a few months are left until 2025. But we recommend that you stay on top of any unused benefits you might have. Here are some steps to ensure you’re taking full advantage:
- Book Preventive Visits: If you haven’t already, schedule your annual check-up and cleanings. Most plans cover these fully, so it’s a great way to keep your teeth healthy without a financial burden.
- Plan for Necessary Treatments: If one of our top Chicago dentists has recommended additional procedures (like fillings or crowns), it’s time to schedule those. Make sure to get these done before the year resets.
- Consider Family Members: If your plan covers your children or spouse, check if they need any dental treatment. If they do, get them scheduled with one of our dentists. Remember that preventive care is essential for them too!
Understanding Carryover and Rollovers
Some dental plans offer carryover benefits or rollover options, which allow you to roll over a portion of your unused benefits into the next year. Check with your insurance provider to see if this is an option for you and how it can help you maximize your benefits in the long term.
Plan for the New Year
As you make the most of your dental benefits before the year ends, it’s also a good time to start planning for next year:
- Assess Your Dental Needs: Take note of any dental issues that may need addressing in the new year, and keep track of your family’s dental health.
- Review Your Coverage: As plans can change from year to year, take the time to review your options. Consider if your current plan meets your needs or if there are better options available.
- Budget for Out-of-Pocket Costs: Even with insurance, some treatments can come with out-of-pocket expenses. Plan for these costs as part of your overall healthcare budget.
Don’t let your dental benefits go to waste! Take the time to understand your plan, schedule necessary appointments, and make the most of your coverage before the year ends. By staying on top of all of these details, you’ll have a healthier smile and make every dollar of your benefits count. Here’s to a brighter, healthier year ahead!
We accept most PPO insurances and offer a complimentary benefits check prior to your appointment. If you have any questions or concerns schedule a consultation with one of our top Chicago dental providers. We accept most major PPO insurance plans and KidCare. Schedule online or Call us at 773-481-2200