As December approaches, using your year-end dental benefits in Los Gatos before they expire should become a priority. Since most insurance plans reset on January 1st, scheduling proactive care before the calendar flips can help you reduce out-of-pocket costs, prevent more significant dental issues, and end the year with a bright, healthy smile.
Smart Treatments to Schedule Before December 31st
Routine hygiene visits, oral exams, and x-rays are often covered at or near 100%, making preventive care the easiest way to maximize dental insurance in Los Gatos. If Dr. Nicole Pagonis has recommended a filling, bite adjustment, or repair to an existing crown, now is also an ideal time to address those concerns. Minor restorative work completed before benefits reset can keep small problems from turning into major ones, at minimal cost.
For more complex needs, such as fillings, crowns, bridges, and dental implants in Los Gatos, patients can often begin treatment in December and complete it in the new year. This approach may allow you to use two benefit cycles to cover multi-step procedures, reducing your out-of-pocket costs.
Why These Treatments Make Sense Now
Annual maximums don’t roll over. If you have remaining coverage available, using it now prevents that value from disappearing. And if you’ve already met your deductible, additional appointments before December 31 typically come with lower personal costs. Delaying essential care, on the other hand, increases the risk of requiring more costly and complex treatments.
Real Examples of Savings
If you’ve met your deductible and still have some of your annual maximum remaining, that amount can go toward the filling or crown you need, at a lower cost than having the same procedure in January. Similarly, starting a crown or bridge now allows insurance to help with the prep appointment this year and the final placement next year, stretching your benefits across two cycles.
Caring, Prevention-Focused Year-End Dentistry in Los Gatos, CA
If you’re in Los Gatos and want to learn more about making the most of your year-end dental treatments and their many benefits, contact Dr. Nicole Pagonis and the caring, skilled team to schedule a consultation.