Dental insurance may not be your favorite topic of discussion, but did you know that your benefits are about to expire? Millions of people reach December 31st with hard-earned dental benefits still on the table. Do you like saving money? Do you want to keep your mouth healthy? Learn how to do both by maximizing your dental insurance before it’s too late with your friendly dentist in RiNo.
Many people receive dental benefits through their employer. Each paycheck, some cash is deducted to give you a break on the cost of your dental healthcare. The problem is, most people get to the end of the year without using all of these dollars set aside to meet or exceed their annual maximum. That’s wasted money!
Preventive visits are typically 100% covered, so visit your dentist in River North twice a year to make sure your teeth are clean and your oral health is in good shape. This will also give you an opportunity to plan with your dentist what kind of treatments you may need throughout the year. The sooner you see your dentist, the better idea you’ll have of what treatments you’ll need.
After you’ve established possible treatments needed with your dentist, you can plan out your dental benefits. You can work with the dentist’s office to figure out what’s covered with insurance and what you’ll need to pay out of pocket. Either way, you’ll be prepared, keep your teeth healthy, and use your benefits to reach your annual maximum before the clock strikes 12 on December 31st.
A Flexible Spending Account (FSA) is a different type of aid for dental cost. You can open one up with your employer and start stacking funds with each paycheck. These dollars can be used on preventive treatments and other services that keep your teeth pearly white. Just like dental benefit plans, it’s in your best interest to reach your annual maximum before New Year’s to get the most out of your benefits.
The key is to see your dentist early on in the year. If you can plan out what kind of dental services you’ll need, you can put the right amount of money into your FSA. You don’t want to put in too little money where you won’t have enough for your dental needs, but you don’t want to have too much where you reach the end of the year with extra money.
Some employers offer a grace period or allow you to rollover some money, so it’s best to talk to the HR department to make sure if you have a hard deadline to use your dental dollars.
Dude, don’t waste your hard-earned green on benefits you’ve already paid for. Whether you have a dental benefits plan or an FSA, do yourself a favor and see your dentist before the year ends.
Dr. Bryant Franz and Dr. Angelica Seto want to help as many patients with their oral health as possible, which is why they offer an in-house neighborhood plan for patients without insurance. They enjoy providing quality care to their patients in a relaxed and friendly environment. They can be contacted through their website or by phone at (720) 943-7484 for any questions.