As we approach the end of the year, it’s a common scenario: the hustle and bustle of holiday planning, shopping, and seasonal festivities. But amidst all the chaos, there’s one important task that often slips through the cracks – checking your work or self-funded health benefits. If you’re enrolled in a dental plan, there’s a good chance your dental benefits may reset at the end of the year. So, what does this mean for you and your family? Let’s break it down and ensure you take full advantage of your benefits before they expire.
The Countdown: Why You Should Care About Your Dental Benefits
Dental benefits are a valuable asset, but many people forget to use them before they expire. It’s easy to overlook, life gets busy, but failing to use your dental coverage before the year ends could leave you with out-of-pocket expenses you didn’t anticipate. At Boulevard Dental in Saskatoon, we want you to make the most of your dental benefits, and we’re here to help.
Dental Benefits Reset at Year-End
Most dental plans are designed with an annual maximum — the amount your insurance will pay towards dental services within the calendar year. If you don’t use your full coverage before the year’s end, you lose it. It doesn’t carry over into the next year. So, if you’ve been putting off that dental cleaning, filling, or other essential treatments, now is the time to act.
As a dentist in Saskatoon, we often see patients scrambling to schedule appointments in the final weeks of December. Don’t wait until the last minute! Take advantage of your benefits and ensure your dental health stays in tip-top shape.
Key Dental Services That Might Be Covered Before Year-End
When it comes to dental care, your benefits could cover a wide range of services. Here are some treatments that may be included under your dental benefits:
Routine Checkups and Cleanings
Preventive care is essential to maintaining healthy teeth and gums. If you haven’t had a dental cleaning or checkup in the last six months, now’s the time to get it on your calendar. Not only will you avoid potential future issues, but you’ll also maximize your benefits.
Fillings
If you’ve had an issue with tooth decay or a cavity that needs addressing, your dental benefits can help cover the cost of fillings. Avoid letting an untreated cavity lead to more expensive and invasive treatments down the line.
Crowns and Bridges
Dental crowns and bridges can be a crucial part of restorative care, and they’re often covered by dental benefits. These treatments can help preserve the function of your teeth, so be sure to discuss them with your Saskatoon dentist.
Orthodontics
Some dental plans provide orthodontic benefits, especially for younger patients. Whether it’s braces or Invisalign, now may be the time to start that orthodontic treatment before the year ends.
Gum Disease Treatment
If you’ve been diagnosed with gum disease or suspect you may have it, addressing the issue sooner rather than later could save you money and keep your smile in top condition. Dental benefits often cover treatments such as scaling and root planing.
How Much Can You Save by Using Your Benefits Before the End of the Year
Using your dental benefits before the end of the year could lead to significant savings. Let’s break it down financially so you can see just how much you stand to save by scheduling that appointment with Boulevard Dental in Saskatoon. Keep in mind, all these costs are estimates and your local dentist’s pricing as well as your specific benefit plan may vary.
Example 1: Routine Cleaning and Exam
Most dental plans cover 100% of preventive care, including routine cleanings and exams. If you haven’t had your checkup this year, it’s typically valued around $200-$300 for both a cleaning and exam.
Potential Savings:
- With Benefits: $200-$300
- Without Benefits: Full cost of $200-$300
Example 2: Filling a Cavity
Dental fillings are a common treatment for cavities, and dental insurance typically covers about 80% of the cost of fillings. A single filling can range from $150-$250 depending on the location and material used.
Cost Breakdown with Benefits:
- Total cost of treatment: $200
- Insurance covers 80%: $160
- Your out-of-pocket cost: $40
Potential Savings:
- With Benefits: Save $160 on a $200 filling
- Without Benefits: Full cost of $250
Example 3: Crown Treatment
Lastly let’s look at a bit more extensive treatment, a dental crown, often needed after a root canal or to cover a damaged tooth. The total cost for a crown can range between $800-$1,500, depending on the materials used and complexity of the procedure. Insurance typically covers 50%-80% of the cost.
Cost Breakdown with Benefits:
- Total cost of treatment: $1,000
- Insurance covers 50%: $500
- Your out-of-pocket cost: $500
Potential Savings:
- With Benefits: Save $500 on a $1,000 crown
- Without Benefits: Full cost of $1,000
Why Timing Matters: Maximize Your Benefits Before the Year Ends
The clock is ticking, and the end of the year is quickly approaching. Here’s why it’s important to schedule those appointments as soon as possible:
- Annual Maximum: As mentioned, many dental plans come with an annual maximum. Once this amount is met, your benefits are exhausted, and you’ll have to pay out-of-pocket for any further treatments. Don’t leave money on the table – make sure you’re using up your full benefits before they reset.
- Overbooked Appointments: As the end of the year draws near, dental offices like Boulevard Dental in Saskatoon often become overbooked. Don’t wait until the last minute to book your appointment! By scheduling early, you’ll get the time slot that best fits your schedule.
What Happens If I Miss the Dental Benefits Deadline
If you miss the year-end deadline for using your benefits, you won’t lose your ability to receive dental care. However, you may miss out on the financial coverage that your insurance provides. Any treatments after your benefits expire will need to be paid out of pocket, so it’s always best to act sooner rather than later.
How to Make the Most of Your Dental Benefits
You’ve worked hard all year to pay for your dental coverage, so why not use it to your advantage? Here are a few tips to make sure you get the most out of your dental benefits:
Review Your Benefits
Take a few minutes to check your benefits plan and see what services are covered. Your insurer should provide you with details about the amount of coverage available, deductibles, and exclusions. If you’re unsure, ask your dentist in Saskatoon to help you navigate the details.
Schedule Preventive Care
Preventive care like cleanings and exams are often covered in full by most plans. Don’t put off these appointments—regular visits to the dentist are essential for maintaining your overall health. Plus, early detection can save you time, money, and discomfort down the road.
Consider Treatment Plans for Big Procedures
If you need a larger dental procedure like crowns, bridges, or even braces, it’s important to start planning. Your Saskatoon dentist can help map out a treatment plan that aligns with your dental benefits. It’s worth getting started now rather than waiting for the new year.
Use Your Coverage for Family Members
If your dental plan covers dependents, be sure to schedule appointments for the entire family. Taking care of the dental needs of your children or spouse before the year ends will ensure that everyone stays healthy and that no one misses out on their benefits.
Consult Your Dentist About Coverage
Your dentist is a valuable resource when it comes to maximizing your benefits. At Boulevard Dental, we’re happy to help you understand your dental plan and how we can work with your insurer to get the most out of your coverage.
What If I Don’t Have Dental Benefits
If you’re one of the many individuals who doesn’t have dental benefits, don’t worry. At Boulevard Dental in Saskatoon, we offer several options to help make dental care more affordable. With financing options, we’re committed to providing the care you need without breaking the bank.
For Saskatchewan residents who qualify, the CDCP (Children’s and Dependent’s Dental Care Program) offers a great alternative to traditional dental insurance. If your household income is below $90,000 a year, and you have children or dependents who need dental care, you may be eligible for coverage through this provincial program. The CDCP helps provide necessary dental treatments at a reduced cost, ensuring that families can access care even if they don’t have dental benefits from work or other sources. Reach out to Boulevard Dental in Saskatoon to see if you qualify.
Don’t Let Your Dental Benefits Go to Waste
As the new year approaches, it’s essential to make sure you’ve used your dental benefits before they reset. Whether it’s a routine cleaning or a more complex treatment, don’t let your benefits expire without taking full advantage of them. Boulevard Dental in Saskatoon is here to help you navigate your dental benefits, schedule appointments, and ensure you’re making the most of your coverage.
And for your convenience, we’ve made scheduling appointments even easier. With online booking at Boulevard Dental, you can quickly check availability and book your appointment without ever leaving your couch or making a dreaded phone call. It’s a simple and hassle-free way to ensure your dental care is on track before the year ends.
Remember, your dental health is an investment in your overall well-being. Don’t wait—schedule an appointment today with your trusted Saskatoon dentist, and take the first step towards a healthier smile in the new year!