End-Of-The-Year Insurance Letter to Patients


We hope you are enjoying the colors and cooler weather of fall. New Year’s Eve is just a couple of months away so, we decided to send you a heads-up to save you money.  

When 2015 arrives, your dental insurance will automatically reset to the annual benefit cap. What many patients don’t realize is that when January 1st, 2015 comes around, you will lose any unused dollars in your dental benefits plan. (Unclaimed dollars DO NOT roll over into 2015). A lot of patients don’t think about this and they let hundreds, or thousands, of dollars fall silently into the insurance company’s bank account.

Dr. DOCTOR never uses insurance benefits to influence HIS/HER recommendation for any dental treatment. However, if you have needed, but uncompleted, dental treatment, you should have it completed before the end of the year.  

Here’s an example of the smart way to use your dental insurance benefits: There’s two months left of 2014 and you have $500 dollars of benefits left from the original $1,000 balance. You have dental work needed that can be split into different appointments. The total cost of your dentistry will be about $1400.

Situation A: You have the first parts of the dental treatment completed for $600 before December 31st. Insurance pays you $500. On January 1st, your plan “resets” and you have $1000 in benefits coming. You have the next portion of treatment completed for about $1,200. Insurance pays you $1,000. Total insurance company dollars paid – $1,500. Total you pay – $300.

Situation B: You don’t get around to getting your dentistry completed until February 2015. Sadly, on December 31st, 2014 you lost $500 in insurance benefits. After your dentistry is completed in February, you submit a claim and the insurance company pays you. $1,000. Total insurance company dollars paid – $1,000. Total you pay – $800.

At PRACTICE NAME, we want every single one of our patients to have great dental health and to enjoy every day. That means that you look good, you feel good, you have strong teeth and gums, and you enjoy the benefits of a healthy, attractive smile for a lifetime. If you would like to make an appointment, just give us a call and we will find a time that is convenient for you. Just remember that when the clock strikes 12 midnight on December 31st, you will lose any unused dental benefits. We are happy to help you get the full benefits that you are entitled to under your dental benefits policy.  

Here’s to helping you achieve excellent dental health!  

Best regards,


  • Curtis Group
  • 9402 November Dr
  • St. Joseph, MN 56374
  • Phone: 1-320-363-0210
  • Fax: 1-320-363-0218
  • Email: Email Curtis Group