Dental Health & Insurance 101
Use Em’ or Lose Em’!
Dental insurance benefits can be difficult to navigate. Co-pays, deductibles, limits… You might wonder, “What does it all mean? How can I maximize my benefits? Am I missing out on coverage?”
Did you know most dental insurance benefits don’t roll over from year to year? If you don’t use them, you could lose them! Don’t throw your money away by missing out on valuable dental care benefits before the end of 2017.
4 time-sensitive dental insurance reminders
You’ve already paid for these benefits; make sure you use them! Here are four important reminders:
- Prevention is frugal: If you have good oral health, stay on track. Preventative appointments (exams and cleanings) are typically fully covered by insurance. Have you visited us twice this year for your cleanings yet? If not, call now to get on the schedule before the end of the year. It’s important to book you and your family members’ cleanings now before schedules fill up. Remember: You’ve PAID for these benefits. Don’t throw them away!
- Know your deductible: The money you’ve already spent toward your deductible will reset to zero on January 1st. Call your insurance provider to see what you’ve spent so far this year toward your deductible and also to find out if any treatments you’re considering are covered. If you’ve met or are close to meeting your deductible for this year, you may be able to save money by completing a treatment in 2017 instead of 2018.
- Flex spending: Do you have a healthcare flexible spending account (FSA)? If so, what you don’t use by the end of the year (or grace period, depending on the plan) will no longer be available. Remember, flex spending funds can be used for your dental care!
4. Don’t pay for procrastination. Delaying or avoiding basic treatments now could possibly cost you more later. Use your benefits NOW while their spending power is strongest.