Does Dental Insurance Expire Every Year?
Branchburg Oral Surgeon Shares Dental Insurance Benefits Info You Need To Know
Can you believe Thanksgiving is over, and the Holiday season is in full swing?
The Thanksgiving turkey roasting is over, but before we get too busy window shopping and taking part in the traditional Holiday hustle bustle, we wanted to take this opportunity to alert our patients about important dental insurance information.
Dental insurance benefits expire each year.
This means that any unused insurance benefits – you’ve already paid into your plan – will disappear on New Year’s Day. And they do not roll over to the next year.
It doesn’t matter if you belong to an employer provided network, PPO, HMO, or carry any other individual dental insurance, it’s going to expire at the end of the year.
Many people do not realize this and let hundreds (or even thousands) of dollars’ worth of benefits go to waste.
Any existing dental insurance coverage or flexible spending funds you have remaining will be lost entirely come January 1 2018.
Do You Have Unused Insurance Benefits Remaining?
If you have not used all of the funds available to you, any remaining benefits remaining will be completely lost.
Also, any changes in the health care laws may affect your dental insurance coverage.
To see if you may have remaining benefits, contact your insurance agency ASAP or go online & login to your account.
Do All Dental Insurance Benefits Expire at the End of the Year?
Treatment should never be dictated by insurance, if you have any treatment that remains to be completed, now is the time to make sure you have used all of your available benefits.
Don’t let your flexible spending funds or insurance benefits go to waste!
Most dental insurance plans follow a 12 month cycle, which means that on January 1st 2018, any unused funds that you have remaining will be lost.
If you haven’t visited your dentist for your 6 month checkup, you may have unused benefits remaining for this year – make sure you use them.
Virtually all major dental health insurance providers like Delta Dental, Blue Cross/Blue Shield, Aetna, MetLife, Cigna, or Humana – just to name a few – all expire at the end of each year.
Branchburg Oral Surgeon Offers Advice for Expiring Insurance Benefits
We understand that your dental insurance is an essential part of taking care of our teeth and gums – along with your overall health too!
We also understand that not everyone has great dental insurance, and some of you may be limited to what your employer provides.
The time of recommended dental health treatment varies depending on what is required for each individual patient.
This is why it is so important to remember when looking at your insurance benefits that all of the money you paid towards your deductible for 2017 will reset on January 1, 2018 – and it will continue to happen every year.
If you paid for any dental treatment during 2017, your insurance company could wind up covering a higher percentage of your costs.
The only way to find out is to login to your account, or call your dental insurance provider.
What If You Have Unused Dental Insurance Benefits Available?
At Branchburg Oral, Maxillofacial & Implant Surgery, we recommend to all patients with available insurance or flexible spending funds to check their insurance policies immediately to see if you’ve maximized your benefits.
If you have unused dental insurance benefits or flexible spending funds available…use ’em or lose ’em!
At Branchburg Oral, Maxillofacial & Implant Surgery we make every effort to provide you with the finest care and the most convenient financial options.
We participate with many different dental insurance plans.
If you have any problems or questions, please call us. Our team is well informed and here to assist you. We can be reached by phone at (908) 218-0300.
Branchburg Oral, Maxillofacial & Implant Surgery: Karl Maloney, D.D.S.
Branchburg NJ Oral Surgeon, Dr. Karl Maloney, is a board certified oral and maxillofacial surgeon proudly serving residents of Branchburg, Somerville, Bridgewater, Flemington, Lebanon, Whitehouse Station, Hunterdon County, Somerset County, Hillsborough, Raritan, Basking Ridge, Clinton, Readington, all of Northern New Jersey & the entire East Coast.
Dr. Maloney specializes in dental implants, bone-grafting, sinus lift, impacted wisdom tooth extraction, jaw surgery, trauma & reconstructive surgery, TMJ disorder and a full scope of oral and maxillofacial surgery.