Don’t let time run out on your benefits package! Many insured Canadians aren’t taking full advantage of the benefits they are allowed, even though they are paying for comprehensive plans through their employer. It’s easy to forget every detail of your benefits package and what’s available to you, so it’s a good idea to refresh yourself on what’s available to you before the year ends. If you do not use up the amount available to you, it’s typically lost as opposed to being rolled over.
It’s always good to know the intricacies of your benefits provider so you can take full advantage of all the health and wellness benefits available to you, not just for your dental health, but for your overall well-being.
Not Using Benefits
It might be surprising to hear that most people do not use all their health benefits, especially with the world becoming more health conscious overall. There are a few reasons why people don’t use their benefits:
1. A belief that the balance left owing will be too much to pay out of pocket.
If you are worried about the cost of a service, call around for estimates. Most places will be happy to help, as they are seeking your business. If the cost is higher than you would like, inquire about payment plans.
2. The process of making a claim can be a hassle, and some offices don’t offer direct billing.
Many offices will bill directly to your benefits provider. In cases where they don’t, it is beneficial to sign up for automatic reimbursements when you begin a new job so your costs will be repaid in minimal time.
3. Thinking of benefits only as something to be used when ill, as opposed to a proactive resource to maintain health.
Have you been lucky enough to not need prescriptions or stitches this year? That’s great, but many modern plans offer acupuncture, massage, and other preventative health care.
4. A lack of knowing what you are entitled to.
The best thing you can do when you get on a new plan is save the brochure or bookmark the website. Reference it about half way through your annual cycle to ensure you have ample time to take advantage of the things you would like to.
Dental Benefits Cycles
Good planning allows you to take full advantage of your package. Many plans break down allowable dental benefits by time required for the service rather than number of visits, so be sure to take a close look at your dental benefits summary. If you have remaining benefits, flex dollars, or other perks, be sure to not only use them, but to remind your coworkers as well!