Need a little motivation? Here are 5 very good reasons to use your benefits to the fullest:

Yearly maximums. Dental insurance plans put a maximum on the amount of money they're willing to pay for your dental care. Maximums vary from one company or policy to the next, but typically fall around $1000. Sounds like a lot of money, doesn't it? Insurance companies consider this amount to be a good investment. Allowing you to get regular dental care, your carrier can prevent the need for more serious (and more expensive) dental procedures down the road. Why not do you both a favor and use it, ensuring your mouth is in tip-top shape when next year rolls around?
Premiums. You're probably paying a monthly premium to keep your insurance. Even if you don't need extensive treatment, you should use that money for regular check ups and cleanings to prevent costly procedures in the future. Don't throw your money away.
Deductibles. Insurance companies typically expect you to pay a certain amount of money for your dental care each year – usually about $500. If your smile isn't in good shape, your dentist can create a treatment plan to put you back on track. Deductibles begin anew each year, so spreading out this care over more than one year will mean you have to pay more out-of-pocket.
Inflation. It seems everything becomes more expensive from one year to the next, and dental materials and equipment are no exception. Putting off necessary dental care could mean that you'll have to pay more down the road.
Dental problems escalate. If your pearly whites are anything but, they're only going to get worse. That is, of course, unless you take advantage of your insurance benefits and tend to your teeth and gums. A little cavity that isn't bothering you one year may become a major headache (or toothache) the next."

And what about your eyesight? If you wear glasses or contact lenses, or it's been a while since you've had your vision checked, a visit to your optometrist is in order. According to EyeMed Vision Care, "a complete view of potential employee out-of-pocket costs is one of the most important tools for assessing the value and effectiveness of your vision benefit plan. Benefits decision-makers need all the facts—together in one place at one time—to make the right benefits decisions for employees, their dependents and your company.

Instant Insights /

Getting the most from your dental and vision plans

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