It’s simple to get caught up in holiday hysteria as the year is about to over. But while you’re crossing off your shopping list, don’t forget your dental health. If you have dental coverage, be sure to use it before you lose it. The majority of dental insurance policies are “use it or lose it,” and that is, unless you schedule and use your dental benefits by the end of the year, you will end up losing good benefits.

Neglecting to visit your dentist for your yearly dental exams could lead to a series of risks that impact your health and your wallet as well. That’s why you must do something about it before you run out of time.

Understanding the “Use It or Lose It” Rule

Dental insurance usually follows a set annual timeline, resetting at the end of the year. What does this mean for you? If you’ve paid premiums throughout the year and haven’t used your coverage for cleanings, exams, or other preventive care, those benefits will expire once the new year begins.

Make sure to get any of your last-minute dentist appointments in prior to your dental insurance clock running out. If not, you’ll be losing out on the opportunity to use those benefits, and you could end up paying for dental procedures out-of-pocket when they could have been covered with insurance.

The Risks of Not Appearing at Your Dental Appointments

You may have possibly already had a busy year so far, but skipping your dental visits will lead to more than missed opportunities to enjoy your benefits. Here’s what could go awry if you put it off too long:

Worsening Health Conditions

Skipping a regular check-up or cleaning may not seem like a big deal, but minor dental issues can quickly become serious health concerns. Cavities can develop into infection, and gum disease can result in bone loss – all of which necessitate more invasive and costly treatment in the future.

Increased Out-of-Pocket Expenses

Skipping your regular dental care would have you possibly paying out of pocket for procedures you could otherwise receive at little or no cost through your coverage. Preventive care is generally what dental insurance covers, so it is an affordable solution to keep your smile healthy.

End-of-Year Rush

As December draws near, the majority of dental offices fill up with patients who wish to cram as much of their dental coverage as possible. If you wait, you may not be able to schedule an appointment at the time of your choice.

Maximize Your Dental Coverage

Follow these tips to make sure that you are maximizing your dental benefits:

• Schedule Regular Check-ups: These routine appointments can detect small issues before they turn into serious problems. Your insurance likely covers cleanings and exams in full, so this is an easy and cheap method of staying healthy.
• Use Unused Benefits: Many patients are unaware that they have unused benefits in the form of cleanings or X-rays. Don’t let them go to waste; schedule your appointments today to get ahead of the year-end rush.
• Don’t forget Big Treatments: If you need fillings, crowns, or other procedures, ask if they can start this year and be completed next year according to your insurance company’s timetable.

Time is of the essence! If you haven’t already taken advantage of your dental benefit, now is the time to do so. Don’t let your benefits go to waste. Schedule an appointment at Dr. Kimberle’s office today so your smile will be healthy for the new year.