Did you know that you can save hundreds of dollars by using your dental benefits before the end of the year, while also improving your smile, health, and decreasing dental costs in the future?
And you can do this by merely paying attention to your dental insurance plan and when it ‘ends’.
While some dental insurance plans run on a fiscal year or some other arbitrary term, the majority of plans run on a traditional calendar year.
But no matter what schedule your insurance plans runs on, you can achieve the same kind of savings by paying attention to when it ends and making sure that you have taken full advantage of it before the next year begins.
To help you understand the importance of using all your benefits before the annual deadline, Bondi Dental would like to share six reasons you should make a dental appointment now and get into our offices before the New Year!
Six great reasons to use your dental insurance
Use your annual maximum. The annual maximum is the highest dollar number that the dental insurance plan will pay for your dental work during the course of a year.
This amount varies by insurance company and plan, but the average tends to be around $1,000 annually, per person. The annual maximum usually renews every year (on New Years’ Day if your plan is on a calendar year).
If you have benefits that you don’t use, these benefits do not roll over. This means you should utilise all of the benefits available in a given year.
Minimise deductible percentage. The deductible is how much money that you must pay to your dentist before your insurance company begins paying for services.
This fee varies from one plan to another, but like your benefits, the deductible you have paid does not roll over to the next year.
This means that in a typical year, once you have paid your deductible (often in the first part of the year) your insurance pays the rest of the cost (up to the annual maximum).
If you avoid treatment at the end of the year and wait until the beginning of the next year, you end up paying your deductible for a treatment that might have been free at the end of the year.
Premiums. You pay your dental insurance premiums regularly, so you should take advantage of your benefits.
Even if you don’t need a particular dental treatment, it is always a great idea to schedule regular dental cleanings to help prevent and detect any early signs of gum disease, cavities, oral cancer, or any other dental problems.
Price inflation. Another reason to use your benefits now is the risk of fee increases.
At Bondi Dental we do everything we can to keep our excellent and cutting-edge treatments economical, but we are at the mercy of increased costs of living, materials, and equipment, which may affect our rates.
Even during the middle of a year, it is always better to get your treatment immediately, as this will often mean it is more economical.
Dental problems get worse. When you delay dental treatment, you risk more extensive and expensive treatment later on.
Today’s simple cavity can become a root canal later. Usually, when dental issues are untreated and allowed to develop, they become much worse.
Just another reason to call Bondi Dental and schedule an appointment to use all your benefits.
It’s the holiday gift you can give yourself! The end of the year is a time of celebration and social gathering.
Take advantage of your unused benefits to provide yourself with a stunning smile for the end of this year and going forward to the next one!
What might be covered?
Coverage varies depending on the insurance plan. Here are the services dental plans typically cover:
- Oral Examinations
- Tooth Cleanings
- Fluoride Application
- Sealants (Usually Limited to Children)
- Fillings either Amalgam/Silver or Composite/White
- Root Canals
- Treatments For Gum Disease
- Emergency Relief of Pain
Of course, every dental plan is different. We recommend that you contact your provider and ask the right questions based on the information we provided above. (“What is my yearly deductible? What is the maximum amount you’ll provide for dental treatment? Which services are covered?”)
Once you’ve figured out the details, schedule an appointment, and our friendly staff at Bondi Dental hopes to see you before the New Year begins!
The Bondi Dental Advantage
Bondi Dental is conveniently located in the Eastern Suburbs – Bondi Beach, Bondi in Sydney. Our exceptionally skilled dental professionals have more than 60 years of combined experiences in all fields of dentistry.
We provide high quality dental preventative, restorative, and cosmetic services for all patients in the region.
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.
We are open 7 days a week 8am – 8pm!
Call (02) 9365 7187 or visit us at 134 Curlewis St in Bondi Beach.