The end of the year is full of excitement and activity.
Family, work, and school obligations can keep you on the run, without a moment to consider other important things – such as whether you have taken advantage of all the dental plan benefits offered by your insurance.
Are insurance concerns low on your holiday list? They might be, but you could be wasting precious money by not reviewing your insurance usage before the end of year madness begins in earnest.
At Thornton Dental we’re here to help explain why you should take advantage of any insurance benefits you may not have received, and take advantage of them now, before 2018 ends.
Why take full advantage of your insurance plan?
Take advantage of your premiums. You pay a premium, either monthly or quarterly.
This premium is deducted from your paycheck or paid directly to your insurer, purchasing you and your family various dental benefits.
If you are paying for these benefits, you should take advantage of them and use them before they expire. Failing to do so is equivalent to losing that money since dental insurance policies pay for preventive care such as cleanings and examinations at little to no charge to you.
Piggyback extensive treatment across two years. Complicated or expensive treatments that require multiple visits to Thornton Dental can be funded out of two separate years of benefits.
Treatments that take time can be ‘split’ between the benefits you still have this year and the benefits that will come in 2019.
If you wait, you run the risk of using all of your benefits next year and then having to pay for extensive dental care out of your own pocket.
Plan changes. Given the ever-changing nature of health care plans, the benefits you are guaranteed this year may be different from those offered next year. There is no guarantee that dental plans will remain constant from year to year.
Price changes. Thornton Dental works very hard to provide the best dental treatment available at affordable prices.
We are also subject to the market ourselves, and sometimes materials, education, and tools become more expensive. If you book your treatment now, you can lock in our bargain prices!
Wait now, pay much more later. Many of us avoid the dentist, either for economic reasons or due to worry.
But if you don’t visit Thornton Dental now, you are only encouraging the development of major oral health problems that will require complicated and expensive treatments at a later date.
If you have dental benefits, you owe it to yourself to get care before those benefits expire at the end of 2018.
The steps you can take to maximise benefits
Call your dental insurance provider and determine the exact amount of your unused benefits. That is the amount of money you will sacrifice if you don’t take the following step.
Call Thornton Dental and make an appointment. The sooner you call us, the more likely we can schedule you or any eligible family member before the end of the year.
While you’re chatting, find out what procedures will qualify. Typically, cosmetic treatments like veneers or whitening aren’t covered.
But preventive procedures such as cleanings, x-rays and routine exams usually are. So are fillings, crowns, bridgework and other dental procedures up to the amount allowed by your plan.
There is at least one more reason you should call us immediately: You may not be the only person who suddenly realised that you still have unspent dental insurance benefits to use at Thornton Dental The sooner you call, the sooner we can get you scheduled!
Thornton Dental can provide you with an estimate of what recommended dental work will cost, and what your insurance will likely cover.
If you’ve already met your deductible for the year, it’s smart to complete any recommended work before the year ends.
Take advantage of your dental insurance and take care of your oral health. The money paid for insurance is worth the use since you are most likely to need less actual dental treatment.
Don’t let this money go to waste as the year ends, and don’t let benefits you have paid for disappear if you haven’t used them or haven’t reached your yearly maximum.
If you need to see a dentist, schedule an appointment with us, we are always happy to attend to your dental needs!
Why Choose Thornton Dental?
Our mission is to make dentistry affordable, without sacrificing quality of care.
- We focus on patient care
- Exceptional infection control
- Friendly, approachable and experienced team
- Child-friendly and relaxing environment
- Patient comfort, safety and satisfaction are our primary goals
- Customised care tailored to your specific needs
- Integrity, high standards, premium quality materials
- Anxiety control and pain management
Thornton Dental serves the community of Thornton, Beresfield, Tarro, Woodberry, East Maitland, Chisholm, Raymond Terrace, Green Hills, Metford, Ashtonfield, Tenambit, Morpeth, Lorn, Bolwarra Heights, and surrounding areas of Maitland.
Dental Insurance: Use It or Lose It!
If you are overdue for a dental clean and checkup, the time to act is now if you are a health fund member.
Most dental insurance funds offer no-gap cleans once or twice yearly, but your benefits do not roll over into the next year. This means that your benefits are wasted if you do not take advantage of them.
Schedule through the end of December so that they can achieve maximum rebates and healthy smiles this 2018.
Call (02) 4966 2996 or visit us at 9/1 Taylor Ave. in Thornton.