As the holiday season approaches in Wellington, Florida, family schedules fill up quickly. Between school events and holiday planning, dental benefits are easy to overlook. Taking time now to review your policy helps you maximize your benefits before the calendar turns.
Most dental insurance plans operate on a calendar year ending December 31. Any remaining benefit dollars do not carry over into the new year. Reviewing your coverage today helps you schedule needed care while using the benefits you have already funded.
Understanding End of Year Dental Benefits
Dental coverage centers around annual maximums, deductibles, and preventive care schedules. If you already met your deductible this year, your out of pocket costs for care in November or December may be lower. Booking recommended care before December 31 lets you use your active deductible before it resets on January 1.
Families in Wellington, Westlake, and Royal Palm Beach often ask what happens to remaining benefits at year end. Under most plans, unused benefits expire at midnight on December 31. Planning ahead helps your family explore treatment options and avoid the late December scheduling rush.
Key Takeaway: Most dental benefits do not roll over to the next year. Reviewing your plan now allows you to discuss treatment options and schedule a consultation before benefits expire.
What to Review in Your Dental Plan
Before calling our office, gathering key facts from your insurance portal can save time. Here is a clear guide showing where to find your policy details.
| What to check | Where to look |
|---|---|
| Annual maximum balance | Online portal dashboard under remaining annual benefits |
| Deductible status | Recent explanation of benefits statement or account summary |
| Preventive visit allowance | Summary of benefits page under preventive care |
| Plan network structure | Member card or booklet to see if plan is a PPO |
Steps to Take Before December 31
Late fall is the perfect time to review your oral health goals. You can read how preventive dentistry saves you money over time. Use this checklist to guide your planning before December 31 arrives.
- Review your member account to confirm remaining benefit dollars.
- Check whether your family completed their two annual routine exams.
- Review outstanding treatment recommendations and explore your options.
- Call your dental office to check how your plan handles reimbursement.
- Schedule your visit early, remembering our office requires 24 hour notice for cancellations.
Our Insurance and Financial Policies
At Mohip Dental and Associates, Dr. Vikram Mohip and Dr. Adam Walters have served Wellington for over 40 years. Our practice provides care under select PPO plans. We do not participate in PDO, DMO, EPO, or DHMO plans. Our practice is out of network, meaning plan benefits are typically reimbursed to the patient rather than paid directly to the office.
Our staff submits insurance forms on your behalf to assist with reimbursement. We advise patients to call us so staff can check your specific plan before treatment. You pay your co-pay at the time of service, with 30 days interest free to pay any remainder. If a claim is denied, you are responsible for the full amount.
We also offer payment plans, and financing is available through CareCredit. We provide a 5 percent courtesy adjustment for cash payments and 3 percent for check payments made at the time of service. Credit card payments do not receive this courtesy. New patients can review our new patient forms ahead of time, or arrive 15 minutes early to complete them. You can view our office hours on our practice information page.
Frequently Asked Questions
Do unused dental benefits roll over to next year?
No, most plans expire on December 31. Unused benefit amounts do not roll over into January.
How does insurance reimbursement work at Mohip Dental?
We provide care under select PPO plans as an out of network provider, meaning benefits are reimbursed to you. We file your claims, collect your co-pay at your visit, and offer 30 days interest free for any remainder.
What payment and financing options are available?
We offer payment plans, CareCredit financing, and courtesy adjustments of 5 percent for cash or 3 percent for check payments. Credit cards do not receive a courtesy adjustment.
How do new patients book before year end?
New patients can schedule a consultation by calling our office. You can complete registration forms at home or arrive 15 minutes before your visit.
Do not let your remaining dental benefits expire on December 31. Our office is open Monday through Friday from 9am to 5pm and Saturday from 9am to 1pm at 250 Professional Way in Wellington. Visit our contact page or call (561) 798-1600 today to schedule your family consultation.
