Did you know that only 2.8% of people with PPO dental plans reach or exceed their annual maximum? It’s not much better for people holding Flexible Spending Accounts (FSA) with more than $400 million of unused funds every year! Factor in Health Savings Accounts (HSA) and Dental Savings Plans, and you’re looking at a mountain of untapped benefits.
These losses occur because funds don’t roll over, so for most people that means their plans reset on January 1. Rather than losing that money, wouldn’t it be better to invest in your smile before the December 31st deadline?
Let’s talk about what you have to lose and all of the ways you can put dental benefits, FSA, and HSA monies to good use!
Why Use Your Dental Benefits Now
Aside from the obvious financial losses noted above, there are some additional factors to consider before pushing off your dental care or treatment.
- Your plan could change next year, which could impact your coverage, deductibles, and maximums.
- Insurance companies may alter the fees due to increases in the cost of living, equipment, and materials.
- Waiting until the last minute to schedule an appointment could mean that your dentist is booked and can’t squeeze you in before year’s end.
As we head into the holiday season, things can get overwhelming fast. It’s easy to keep pushing back a call to your dentist’s office, but that could cost you in the long run. Why not skip the hassle and schedule your next appointment?
How To Use Your Dental Benefits
You know why it’s important to tap into those benefits, but how can you make the most out of them? Don’t worry, we’ve got you covered!
Routine check-ups and professional teeth cleanings do a lot for your oral health. Most dental insurance companies cover two routine check-ups and cleanings every year. They usually include x-rays as well.
If you haven’t had your check-ups yet, there’s still time to schedule one. The best part is that you shouldn’t have to worry about a deductible or co-pay and you could ask your dentist about some of your other options!
Maybe you’ve been putting off treatment, say a filling or replacing a crown. It’s not going to magically get better if you put that treatment off until next year. Why not handle it now and put your benefits to good use?
- Basic dental work includes fillings for cavities or getting dental sealants.
- How about getting those troublesome wisdom teeth removed so that you can enjoy the holidays?
- Handle multi-step treatments, like a root canal and crown.
- Do you need replacement crowns, dentures, or bridges?
- Dental implants could help you start the new year off with more confidence.
- Start orthodontic treatment before the new year starts.
Note that cosmetic dentistry isn’t necessarily included, so it’s best to check with your plan provider.
Start Next Year Off Right
Making the most of your dental benefits this year is a step in the right direction, but it might feel a little stressful squeezing everything in over the next few months. It might help to start planning your year early next year.
- Speak with your dentist about any treatments they recommend for your smile.
- Contact your insurance provider to see what they cover and get a breakdown of your benefits.
- Schedule multi-step treatments so that you have plenty of time to finish them before the end of the year.
Remember, letting unused benefits expire is like throwing money away. Make the most of those dental benefits and keep your smile healthy all year!
Not sure how to use your dental benefits this year? Jefferson Dental & Orthodontics can help! Find the office nearest you and then schedule your next appointment.