Have you visited the dentist this year?
If you have not visited the dentist this year and you have dental insurance, then you might not be aware that your yearly maximum starts over soon.
Many dental insurance plans renew their fiscal year on October 1st of every year.
This means that if you need dental work or a cleaning, then take full advantage of your dental benefits before your insurance calendar year ends. If you haven’t reached your yearly maximum, but you’ve paid your full deductible or paid money into your dental plan, this is like money thrown in the trash…especially if you need dental work.
Also, if you have a dental problem, the longer you let it go, the worse it will be. More and larger procedures are more costly.
It’s true that there isn’t much time until October 1st, but we’re open and ready to help.
Did you know that you could actually save hundreds of dollars by using your dental benefits before the end of the year? While some dental insurance plans run on a fiscal year, most run on a calendar year. If your dental insurance plan is on a calendar year, these 5 reasons will show you why you should make a dental appointment now.
1. Yearly Maximum
The yearly maximum is the most money that the dental insurance plan will pay for your dental work within one full year. This amount varies by insurance company, but the average is around $1,000 per year, per person. The yearly maximum usually renews every year (on October 1st or January 1st if your plan is on a calendar year). If you have unused benefits, these will not rollover.
2. Deductible
3. Premiums
If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don’t need any dental treatment, you should always have your regular dental cleanings to help prevent and detect any early signs of cavities, gum disease, oral cancer and other dental problems.
4. Fee Increases
Another reason to use your benefits before the end of the year are possible fee increases. Generally fees rates increase at the beginning of the year due to the increased cost of living, materials and equipment. A fee increase can also make your copay higher.
5. Dental Problems Can Worsen
By delaying dental treatment, you are risking more extensive and expensive treatment down the road. What may be a simple cavity now, could turn into a root canal later. Call us and schedule an appointment to use those benefits.
Please give us a call at (519) 736-4073 if you need a cleaning or dental treatment before insurance calendar year end.
If you are unsure of your coverage, we will be happy to help you find out what you are covered for with your permission.
Don’t let your dental coverage go to waste. Make an appointment today!
Regards,
Dr. Zeljko
We NOW PARTICIPATE in the Canadian Dental Care Plan (CDCP).
Until the Government fixes all it's hiccups, we will be participating in a limited fashion for now.
But at least it's a step forward to helping all Canadians with this new program while also being fair to our existing patients.
The goal of this program is to provide dental care to ALL patients in Canada who do not have dental insurance.
Here is a link for more details:
https://www.rcdso.org/en-ca/cdcp
Please call our office at 519 736-4073 to schedule your first visit with us if you qualify for this program.
JCDA PROOF! that delayed dental care due to the pandemic has caused MORE cavities and oral health problems than ever before.