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Insurance dollars from 2017 DO NOT carry over to 2018. If you participate in a Flexible Spending or Health Savings Account, the same concept applies. Not utilizing all benefits before the end of year results in a forfeit of leftover funds in these accounts.

Five Reasons to Use Your 2017 Benefits

The yearly maximum is the most money that your plan will pay for your dental work within one full year. This maximum renews every year, if you have unused benefits they will not rollover.

The deductible is the amount of money that you must pay to your dentist out of pocket before your insurance company will pay for any services. Your deductible also starts again when your plan begins in the new year.

If you are paying your dental insurance premiums every month, you should be using your benefits. Even if you don't need any dental treatment, you should always have your regular cleaning to help detect any early signs of decay and prevent new problems.

Some insurances are putting their foot down when it comes to preventative care. If you are not seen by your dentist twice a year, coverage for the next year is subject to penalization. Your insurance company may downgrade coverage for the following year, resulting in higher out of pocket costs to you.

By delaying dental treatment, you are risking more extensive and expensive treatment down the road. What may be a simple cavity now, could turn into a root canal later.
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