The end of financial year will be here before you know it and a majority of health funds start a new year on July 1st.
One thing you will want to remember is to make the most out of your dental benefits before they expire and utilise your insurance policy to its potential so you don’t spend all year paying for your benefits that you don’t use.
Many patients are overwhelmed at this time of year: housing rates, tax, busy with family and work commitments but it is important to find a little “YOU” time. We have actually had patients in the past that have paid for their private health insurance throughout the year and forgot to use them.
REGULAR USE OF YOUR DENTAL BENEFITS
Using your dental benefits before they expire can help you avoid serious dental concerns further down the track. Having a dental examination, cleaning and routine radiographs can reveal concerns such as dental decay, cavities, gum concerns such as gingivitis and even oral cancer. Without a regular dental examination small issues can eventually become bigger issues. Don’t let this happen to you.
WHAT YOU’RE NOT USING THAT YOU ALREADY HAVE PAID FOR?
With most people paying around $80 per person per month to be covered by dental health insurance you could be paying up to $960. If you’ve paid this amount per year doesn’t it make sense to get value for your money and utilise what you are paying for.
HOW DOES HEALTH INSURANCE WORK?
Each health fund is different, each policy is different but as a general rule most health funds have two categories in relation to dental cover, General Dental and Major Dental. General Dental coverage allows you to claim and receive a rebate on treatments such as examinations, radiographs, cleans, fillings, simple tooth extractions.
Major Dental coverage usually covers major treatments such as root canals, surgical extractions, porcelain crown and veneers and implants
HOW DO YOUR BENEFITS WORK FOR YOU?
All policies are different but generally health funds allow each person an examination and clean every 6 months and a yearly limit on other treatments such a general and major dentistry. At the end of the financial year (some health funds do work at end of year) the policy recharges, it does not roll over if it hasn’t been used. If your limit for example was $1200 for major dental and you don’t use it in any one year, you will only get $1200 for the New Year not $2400.
To SUMMARISE
- Understand your policy and what you are entitled too?
- When does your policy roll over? End of financial or end of year?
- Understand your yearly benefit amounts?
Don’t let your money go down the drain before your policy rolls over, call our friendly staff at Beachside Complete Dental Care to schedule your appointment before the deadline of June 30th on 03 9781-3633
