As the year comes to an end, you'll want to start thinking about your dental insurance benefits. If you haven't used them fully, you will have a couple of months to do so before your benefits expire. Here are a few things to consider regarding using your dental benefits before the year ends.
Whether you have dental insurance or a flexible spending account, now is the perfect time to schedule an appointment for the dental treatment you need before the end of the year.
A flexible spending account is a great way to set aside part of your income (pre-tax) into a savings account to pay for eligible healthcare expenses for you, your spouse, or your dependents. This money is automatically taken out of your paycheck and put into an account exclusively for medical expenses. What’s important to note is what kind of treatment is covered by an FSA account. Most dental preventative work is covered, such as teeth cleanings, sealants, fillings and crowns, but usually not cosmetic surgery. The amount your employer decides that you contribute from your paycheck will determine how much you have to spend on potential dental treatment.
If you don’t already have dental insurance, there are a few things to consider before making a purchase. If you’re single and in good dental health, then your best option for insurance would be different than someone with children and a history of gum disease. Once you choose the dental insurance plan that meets you and your family’s financial and dental needs, you will need to find a dentist that takes your insurance. Some dentists take only a few insurance plans, while others accept a wide range of plans.
When a dentist is in an insurance provider’s network, it means that they have agreed to perform services for a lower cost for the insurance provider’s subscribers. This means that the most cost-effective way to seek dental care is by searching through your insurance’s list of in-network care. This list can be found on your insurance company’s website. Taking this step can save thousands of dollars in copays in the long run, so make sure to check!
Many insurance benefits are known as “use it or lose it” benefits. Most insurance companies provide a yearly spending limit – the maximum amount they are willing to cover over the course of the year. This limit does not carry over from year to year – it can’t be saved up. This means that to get the most out of your dental coverage, it’s best to use as much of this limit as possible. Make sure to get your checkup every 6 months to stay on top of your dental health and make the most of your insurance.
Orange Grove Family Dentistry is committed to providing treatments that best fit your dental health needs, leading with transparency, excellence and compassion. Whether you need a basic cleaning, services like fillings, sealants or more advanced procedures, we are dedicated to providing the highest quality care possible. If you have any questions or if you want to schedule an appointment, call us today at (714) 771-1204 or send us a message!