It’s nearing year-end so if your insurance runs on a traditional calendar year, don’t miss out on keeping some money in your own pocket while brightening your smile! There’s still time to take advantage of your 2017 dental insurance benefits.
1. WHAT IS YOUR YEARLY MAXIMUM? Most dental insurance plans provide a yearly maximum that they will pay for an individual for dental work per year. Most commonly, this is $1000 - $1500 per person, per year and the amount will renew every January. If you’ve only used $800, then you have $400-$700 of unused dollars that will not rollover. Now is the ideal time to use it or you’ll lose it! Additionally, if you’ve already paid your deductible, you won’t incur that cost in early 2018.
2. COULD YOUR CARE PLAN OVERLAP INTO 2018? It is possible to begin the care in your treatment plan at the end of one benefit year and finish it up in the next year. This maximizes your insurance benefits and reduces your out-of-pocket costs.
3. DO YOU HAVE A TAX SAVINGS PLAN? If you are having contributions payroll deducted on a pre-tax basis into a Flexible Spending Account (FSA), be sure to use up your full deduction amount for the year. If not, you will forfeit any amount you contribute to your FSA that you don’t use by the deadlines. If you have a Health Savings Account (HSA), take advantage of this triple tax advantaged account by using your balance to improve your oral health.
4. HAVE YOU FORGOTTEN THAT YOU’RE ALREADY PAYING MONTHLY PREMIUMS? As with any type of insurance, since you’re paying monthly premiums for dental insurance, it is wise financially to use your benefits. If you don’t have dental concerns, you should, at a minimum, use your benefits by scheduling your regular hygiene cleanings in order to prevent and detect any early signs of cavities, gum disease, oral cancer, bruxism (grinding and clenching of teeth) and other dental issues. Preventive care will help you avoid costly emergency visits.
5. UNFORTUNATELY YOU’RE NOT GETTING YOUNGER NOR ARE YOUR TEETH! As you live longer, your original teeth may not last forever. Neither does the stuff your dentist gave you! Everything has a lifespan. Keep your dental work up-to-date at a reduced cost while you still have insurance benefits.
6. NEW YEAR PRICE INCREASES? At the beginning of each year, some providers will review their pricing to determine whether they will have fee increases due to increased rent, materials and newly purchased equipment. This may increase your copay so be wise by using your benefits before year-end.
Learn about our preventive, restorative and reconstructive services and new patient discount offers at Pro Solutions Dental Group Family, Implant & Restorative Dentistry – Offices of Jason C Campbell, DDS, Cosmetic & Family Dentistry at www.PrescottDentist.com or call 928.776.1208.