Our friend, Tammy Davenport, at About.com wrote an excellent article on how you can save money by using your dental insurance benefits before the end of the year.
We have prepared the following summary. For the complete article click the link at the bottom.
Yearly Maximum: Most insurances have a year maximum of around $1,000. Unused benefits do not roll over at the end of the year.
Deductible: Deductibles vary but usually are around $50 per year. This deductible may reset at the beginning of the year.
Premiums: If you are paying monthly premiums you should be using your dental benefits. Regular cleanings can help prevent more serious treatments later.
Fee Increases: Health care costs and insurance continue to rise. Most fee adjustments are made at the beginning of the year including increases in copays and deductibles.
Dental Problems Can Worsen: By delaying treatment you risk more extensive treatment later. A simple cavity now could be a root canal later.
