If you’re like millions of other Americans, you could be at risk of losing thousands of dollars in unused dental benefits this year. How? Before we explain, answer these questions: 1) Have you visited your dentist for a second checkup? 2) Have you met or exceeded your annual maximum? 3) Are you seeing an in-network provider? If you said “no” to any or all of these queries, you are not taking full advantage of the policy you pay for each month. If you’re ready to make a change, read on to find out what you need to do to maximize dental insurance benefits before it’s too late.

Think vampires and witches are the most frightening sights to see on Halloween? Try learning your child needs a dental filling or crown because their candy consumption has caused a cavity to form. That might be enough to scare even the most terrifying ghost or monster. If you want to keep your little one out of the dentist’s chair and avoid the sugar rush that will likely ensue after trick-or-treating, consider these 5 Halloween candy tips to keep your child’s teeth cavity-free.