End of the Year Insurance: Use It or Lose It

It’s that time of the year again. The time just before the holiday seasons where we get to plan–or procrastinate–our end of the year activities. Parties, dinners…dental appointments. Yes! With the end of the year comes the end of the insurance cycle for many dental insurances. What that means is, to put it simply: if you don’t use it you lose it.

Most insured individuals get a maximum yearly allowance, and unlike your rollover minutes with your cell phone carriers you don’t get to keep any unused money. Once the cycle starts again you have to pay down deductibles, which means you pay more out of pocket before the insurance kicks in again.  So, while I’m sure Metlife needs to build another football stadium, or enlist the help of other beloved cartoon characters to help sell their product, I’m sure you could find better ways to spend your money.

And don’t just take my word for it.  U.S. News and World Report ran an article on dental care:

The Centers for Disease Control and Prevention estimate that more than 27 percent of U.S. adults ages 20 to 44 have untreated cavities. Minor cavities can turn into major problems, and what would have required a filling can eventually require a root canal or extraction.  

There are clear links between gum disease and other systemic issues, such as heart disease, diabetes and respiratory disease, to name a few.  

Not taking care of your teeth impacts more than your oral health, however. Studies have linked bad dental care to a variety of poor, or even deadly, health outcomes.

So get it done before something small becomes something much larger.  And have a happy and safe holiday season!

-Dr. K

Writing, as always, from the town where Liberty got its start: Libertyville, IL