Getting The Most Out Of Your Dental Insurance
As the year ends, you’ll want to consider 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.
Flexible Spending Accounts
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 from your paycheck and put into an account exclusively for medical expenses. What’s important to note is what kind of treatment an FSA account covers. Most dental preventative work, such as teeth cleanings, sealants, cavity fillings, and dental crowns, is covered, but it is usually not cosmetic surgery. The amount your employer decides you contribute from your paycheck will determine how much you spend on potential dental treatment.
Dentists That Take Dental Insurance
If you don’t already have dental insurance, there are a few things to consider before purchasing. 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 your and your family’s financial and dental needs, you must find a dentist who takes your insurance. Some dentists take only a few insurance plans, while others accept a wide range of plans.
The Importance Of Searching In-Network
When a dentist is in an insurance provider’s network, it means that they have agreed to perform services at a lower cost for the provider’s subscribers. The most cost-effective way to seek dental care is to search through your insurance company’s list of in-network care, which can be found on its website. Taking this step can save thousands of dollars in copays in the long run, so make sure to check!
At Orange Grove Family Dentistry, we accept:
- Aetna
- Delta
- Metlife
- Principal
- Humana
- Cigna
- Guardian
- Sunlife
- Anthem
- Ameritas
- Blue Cross Blue Shield
- …and more!
Use it Or Lose it!
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 it’s best to use as much of this limit as possible to get the most out of your dental coverage. Make sure to get your dental checkup every 6 months to stay on top of your dental health and make the most of your insurance.
Orange Grove Family Dentistry
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 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 want to schedule an appointment, call us today at (714) 771-1204 or message us!