Did you know your dental benefits reset every year? That’s right. If you have a dental insurance plan that runs on a calendar year, you will lose out on any unused dental benefits when the clock strikes midnight on December 31st.
Insurances are either PPO’s or HMO’s. PPO’s allow you to go to any dentist whereas HMO’s limit you to a provider they assign you to. It’s always better to choose a PPO insurance but your premiums may be slightly higher.
Premier Smile Center accepts most PPO’s. They will pay a percentage for your services and you will have a copay. You will also have an annual benefit amount allowed. This is a maximum they will pay out for the year. It can be anything between $1000- $2000.
As we are nearing the end of the year, it is imperative that you utilize these benefits if you have dental work that needs to be done as you will lose it. If you don’t use your 2020 benefits by 12/31/2020, they will not roll over and you will lose out on unused dental benefits.
Use your Flexible Spending Account before the year ends so you do not lose out on your excellent benefits. If you need help to see how much you have left to use this year, give our office a call and we will help you with that.
If you’re not sure what dental procedures can boost your smile and still fall under your existing coverage, contact Premier Smile Center and schedule a consultation with Dr. Johnson to find out what dental treatments you qualify for and what is best for improving your oral health.