As we close out another calendar year, many people are leaving money on the table when it comes to using up their dental benefits. Many people have Flexible Spending Accounts (FSAs), which use your own funds to pay for dental care with pre-tax dollars. But whether you are insured through an employer plan, through an individual plan or through the Affordable Care Act (ACA), your plan likely expires on December 31.
Since the holidays are here, now is the time to schedule that dental service that you’ve been putting off. Here are some of the services that Peacehaven Family Dentistry can provide for you before Christmas or New Year’s.
- Teeth cleaning
- Teeth whitening
- Cavity filling
- Dental crown
- Dental bridge
- Dental implant
- Root canal
- Tooth extraction
- Invisalign clear braces
- Tooth bonding
- Dental X-rays
- Preventive dental care
- Fluoride treatment
- Dental sealant
- And more!
Dental Benefits – Use It or Lose It!
Have you been building your deductible and plan maximums all year? Don’t let your dental benefits go to waste! If you have contributions to your FSA, then you’ll want to use them up. In addition, your dental insurance benefits—your deductible and your maximum out-of-pocket expenses—will reset at the first of the year. Now is the time to take advantage of using your full insurance benefits before everything resets to zero come January 1.
S-t-r-e-t-c-h Your Insurance Benefits
Are you in need of extensive dental work? There’s a way that you can stretch your dental benefits. By scheduling your dental work for the end of the year, you may be able to use up your maximum benefits for the current year. Then, if you need further procedures or follow-up work, it can be covered after January 1 when your plan benefits reset. However, if you wait until after January 1 to begin your dental work, then you’ll likely use up all of your dental benefits early in the year. And you’ll be paying out of pocket for anything else that occurs during the remainder of the year—even a simple cleaning.
Are Your Dental Benefits Changing?
As we all know, dental plans often change from one year to the next. Your deductible can go up. Your out-of-pocket maximums may rise. And your monthly premiums can also be more expensive. Will you have to switch to a more affordable plan with lesser coverage? Will fees increase? Will you have a higher co-pay? These are all questions to consider when planning your necessary or cosmetic dental work.
The bottom line is that your dental problems don’t get better over time. Cavities will grow and cause increasing pain. A chipped or cracked tooth can cause escalating pain, especially when drinking hot or cold liquids. If you need a root canal or other procedure, the pain will only get worse. It’s best to begin treating these problems as soon as possible.
Don’t put off for tomorrow what you can do TODAY!
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