Every year thousands of people get caught by the year end deadline because they do not understand that, un-like other forms of insurance, dental benefits are a “use it or lose it” situation.
Car insurance, for example, does not cover the routine things like oil changes that you do to keep your car in good shape. But if you are in an accident, it’s there to cover the high costs of getting your car repaired. In other words, it only kicks in when you need it most. Dental insurance, on the other hand provides a maximum yearly benefit to help cover routine things like check-ups, cleanings, and exams, plus it usually contributes a portion towards cavity treatment– and may give you some help with more expensive pro-cedures.
That maximum benefit isn’t exactly generous, but it can help you keep your mouth healthy – if you remember to actually use it. Look at it this way. Somebody – either you or your employer – paid for that maximum benefit. That makes it YOUR money – and the last thing you want to do is let it slip away.