The Clock is Ticking!

Believe it or not, November is almost over.  This year seems to have flown by!  It seems like the end of the year is always accompanied with a to do list that is longer than there is time left.  We hope this blog post will help you consider a few things that you might have forgotten.

For many companies this is open enrollment time for health benefits.  As a matter of fact many of you may be involved in that process right now with your current employer.  There seem to be many choices available to us but seldom do we fully comprehend how these benefits work in our favor.  We'd like to discuss a few items today to help you make your year end decisions.

Yearly Maximum

Insurance companies will pay a portion of your medical expenditures each year according to your policy limits.  Are you aware that these benefits will not roll to next year?  We never want our patients to be in a position that they lose benefits because they thought they could "put it off until next year."  Dental insurance is largely a use it or lose it policy.

Deductible

"Out with the old, in with the new" seems to be an appropriate motto for a new year right?  Pertaining to some things that motto works well, but starting over with a new deductible can be a painful experience for many families.  Make sure you understand what your deductible is so that you will not be surprised when your insurance company doesn't pay as much as you thought they would come bill time.

Insurance Fees

We spoke of Open Enrollment earlier; a new year can bring a new policy with different co pays or fees attached. While insurance policies aren't the most exciting reading material, taking the time to know what is being covered can save a lot of frustration down the road.  Each spouse should read and understand all policies you subscribe to.  Because you may not know what fees could be coming with a new policy it might be a good idea to come see us as soon as possible this year and take care of pending dental issues now.

Emergencies

You might be surprised how many end of the year parties and festivities are missed because of a dental emergency.  Most dental emergencies can be prevented if you stay up on your regular exams and dental cleanings.  Avoid a dental emergency this holiday season by using your benefits now.

DON'T WASTE YOUR HARD EARNED BENEFITS!  Every year thousands of dollars of unused benefits to go waste because people simply don't take the time to use them.  We would hate to see your benefits be wasted, please give us a call today and let us help you find out how to get the most out of your dental insurance.

We look forward to hearing from you very soon!

(541) 451-1440 or TEXT us at 541.6DC.DDS2