Year-End Dental Insurance Reminder: Use It or Lose It!

As the end of the year approaches, it’s important to evaluate your dental insurance benefits and take advantage of what’s still available. Many dental insurance plans operate on a “use it or lose it” policy, meaning unused benefits will not roll over into the next year. 

At Cascade Dental Care, with convenient locations in North Spokane, South Hill, and Spokane Valley, we encourage patients to make the most of their coverage before it’s too late. 

In this blog, we’ll cover everything you need to know about maximizing your benefits before they expire.

Understanding Your Dental Insurance Benefits

Dental insurance can be confusing, but understanding your plan is key to using it effectively. Most insurance policies provide a set dollar amount for coverage each year, which can go unused if not claimed.

• Annual Maximums: Dental insurance plans often come with a yearly maximum, typically ranging between $1,000 and $1,500. Once you exceed this limit, any additional dental work will be out-of-pocket. If you’re nearing this threshold, schedule any needed treatments now.
• Deductibles: A deductible is the amount you must pay out-of-pocket before your insurance starts covering treatments. If you’ve already met your deductible for the year, it’s wise to get any pending treatments done before the deductible resets on January 1st.

Why You Should Act Now?

The rush to the end of the year can be busy, but delaying dental care could cost you. If you’ve been putting off cleanings, exams, or treatments, now is the perfect time to schedule an appointment at one of our Cascade Dental Care locations in Spokane.

• Preventative Care: Most dental insurance policies fully cover preventive treatments like cleanings and exams. These services help maintain oral health and prevent larger issues from developing. If you haven’t yet scheduled your two recommended cleanings for the year, act fast before your benefits reset.
• Postponed Treatments: If you’ve been delaying necessary procedures like fillings, crowns, or even cosmetic work, take action now. These treatments not only protect your dental health but can also fit within your insurance’s annual maximum before the year ends.

What Happens If You Don’t Use Your Benefits?

If you don’t use your benefits by December 31st, they will be lost. Dental insurance typically operates on a calendar year basis, so unused coverage does not carry over into the next year. That means you’re essentially leaving money on the table that could have been spent on maintaining or improving your oral health.

• Out-of-Pocket Costs Increase: By not using your benefits, you may face higher out-of-pocket costs in the future. Small dental issues like cavities, when left untreated, can become more serious and expensive over time. Addressing these problems now can save you money and prevent discomfort.
• The Deductible Resets: As mentioned earlier, your deductible will reset at the beginning of the year. If you wait until 2024 for treatment, you’ll have to meet that deductible again before your insurance covers anything.

Maximize Your Insurance with Flexible Scheduling

At Cascade Dental Care, we know that year-end schedules can be hectic. That’s why we offer flexible hours, including early mornings starting at 7 a.m., to accommodate your busy lifestyle. Whether you need an emergency appointment, a regular cleaning, or more extensive treatment, our teams in North Spokane, South Hill, and Spokane Valley are here to help you make the most of your benefits before time runs out.

• Emergency Appointments: Don’t wait if you’re experiencing dental pain or discomfort. We prioritize emergency care and offer immediate appointments to handle urgent dental needs.
• Comprehensive Care: Our skilled team offers a wide range of services, from routine checkups and cleanings to more advanced procedures like dental implants and cosmetic dentistry. Whatever you need, we can help you stay covered by your insurance.

The Advantages of Year-End Dental Treatments

Making the most of your dental insurance benefits not only saves money but also contributes to your overall health. By scheduling treatments before the year ends, you can tackle any dental problems head-on and enter the new year with a bright, healthy smile.

• Prevent Oral Health Issues: Preventive care reduces the risk of future problems like tooth decay and gum disease. Use your benefits now to stay ahead of potential issues.
• Cosmetic Improvements: Thinking of brightening your smile for the holiday season? Our Zoom Whitening special is available through January at our Spokane locations, offering a great opportunity to enhance your appearance while using your benefits.

How to Get Started?

If you’re not sure what benefits remain on your plan, give your insurance provider a call or check your policy online. Once you know what’s available, contact Cascade Dental Care to schedule your appointment. Whether you need preventive care, emergency treatment, or a cosmetic upgrade, our team can help you use your benefits wisely before they expire.

• Locations: We proudly serve the Spokane community from three convenient offices in North Spokane, South Hill, and Spokane Valley. No matter which location is closest to you, we offer the same high-quality care to all our patients.
• Book Your Appointment: Don’t wait until the last minute to book your appointment! Our schedules fill up quickly toward the end of the year, so act fast to secure your spot. Visit us at any of our locations, or call (509) 286-1200 to get started today.

Final Thoughts

As the year comes to a close, it’s time to make the most of your dental insurance benefits. Don’t let your coverage go to waste—schedule your appointment with Cascade Dental Care in North Spokane, South Hill, or Spokane Valley. Our dedicated team is here to help you achieve a healthy, beautiful smile that lasts a lifetime. Remember, it’s “use it or lose it,” so act now before your benefits expire!