Dental Insurance Benefits Expire Annually

Wayne NJ Dentist Shares Dental Insurance Benefits Info

In addition to all the pumpkin carving, turkey roasting, window shopping, the first snow of the season, and the accompanying hustle and bustle of the soon to be here Holiday season, the end of each year is also the time for dental patients to make sure you’ve used all of your dental insurance benefits.

At the end of each year most dental insurance policies expire – this is true whether you belong to a employer provided network, PPO, HMO, or carry any other individual dental insurance.

This means that any existing dental insurance coverage you have remaining will be lost entirely come January 1 2015.
Wayne NJ Dentist Shares End of Year Insurance Info
Unlike other benefits, dental insurance does not usually carry over and if not used, any benefits remaining are completely lost. Also many changes in the new health care law may affect your dental coverage.

We encourage our Northern NJ dental patients who may have remaining dental benefits to call us early to arrange an appointment for a routine cleaning & exam.

Our office will be closed intermittently over the holiday season, and scheduling times around this time of year tend to fill up quickly.

We urge you to call our Wayne NJ dental office at (973) 694-8625 to see if you may have remaining benefits – it could mean a dental exam & cleaning with zero out-of-pocket costs depending on your coverage. Click here to schedule an appointment today…>>>

Do All Dental Insurance Benefits Expire at the End of the Year?

Most dental insurance plans follow a 12 month cycle, every January 1st, any funds remaining in your annual deductible will disappear.

If you haven’t visited our office for your 6 month checkup, you may be eligible for a dental cleaning & exam.

It doesn’t matter if you have Delta Dental, Blue Cross/Blue Shield, Aetna, MetLife, Cigna, or Humana – just to name a few of the major dental insurance providers – all of these dental insurance benefits expire at the end of each and every year.

Wayne NJ Dentist Offers Advice for Expiring Insurance Benefits

As dental patients ourselves, we understand that insurance is an essential part of taking care of our teeth and gums – along with the rest of our overall health too!

But we also understand that sometimes a dental insurance policy from Delta Dental, Blue Cross/Blue Shield, Aetna, MetLife, Cigna, Humana, or any of the insurance carriers may be cost-prohibitive to some NJ residents.

The time of dental treatment varies depending on what is required for each individual patient. But it is important to remember when looking at your insurance benefits that all of the money you paid towards your deductible for 2014 will reset on January 1, 2015 – and it will happen every year.

If you paid for dental care during this year at all, then your insurance company could cover a higher percentage of your treatment costs.

At Wayne Dental Arts, we recommend patients visiting sooner rather than later to provide enough time for patients to comfortably schedule present and future dental appointments.

In many instances where people have insurance benefits unused, patients could find themselves entitled to a 100% free dental checkup if more than six months has elapsed since your previous dental office visit.

On top of that, most dental insurance providers (like Delta Dental, Blue Cross/Blue Shield, Aetna, MetLife, Cigna, or Humana…etc.), will also cover teeth cleanings during the actual checkup.

Your trusted Wayne NJ dentist can help by discussing with you the advantages of using your benefits before the end of the year – just call us at (973) 694-8625.

Wayne NJ Dentist: Wayne Dental Arts office of Frank V. Maldonado, D.D.S.

A new beautiful smile is just a phone call away…schedule your appointment today at (973) 694-8625.

Compassionate Care. Modern Technology. Exceptional Results.

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This post originally appeared on and has been republished here with permission.


Dr. Frank Vincent Maldonado is listed at