Maximize Dental Benefits Before 2020

Artistic rendering of clocks with Happy New Year 2020 superimposed on top to remind everyone to maximize their dental insurance

The new year is almost here and while that means holiday celebrations and resolutions, it also means getting the most out of your insurance. We care about your oral health and want you to maximize your dental insurance benefits. Here are some tips on how to accomplish that before 2020 rolls in.

Thoroughly Read Through Your Benefits Information

Before you book any appointments, it’s important that you take a close look at your dental benefits. What kind of plan you have can greatly affect what your dental insurance covers and what it does not. The average dental insurance plans have 100/80/50 coverage which means that they’ll cover 100% of diagnostic and preventive care (like the routine X-rays you get every year), 80% of basic procedures (like extractions and fillings), and 50% of major procedures (like dental implants and crowns). Look at your deductible and out of pocket maximum. Next, calculate how much you’ve already spent this year to determine whether it would be advantageous to schedule a procedure in 2019 or wait until 2020. Of course, this only applies if the procedure is not urgent. If you have questions about your dental insurance, we can help.

Has It Been Six Months or More Since Your Last Checkup?

The majority of dental insurance plans cover routine checkups and cleanings that are done every six months. If it has been six months or more since your last checkup, you can maximize your insurance benefits by scheduling another checkup and cleaning before the end of the year. Many dental insurance plans start over on January 1st. By scheduling two checkups and cleanings in one calendar year you are not only maximizing your dental benefits, but also helping your teeth stay clean and healthy.

Have You Maximized Your Flexible Spending Account?

A Flexible Spending Account (FSA) is a special account that you put money into so that you can use these funds for health care costs that are out-of-pocket. You don’t pay taxes on this money. Therefore, it’s a good incentive for people to set aside some money from their paycheck to pay for healthcare costs. Generally, FSA funds must be used within the calendar year unless otherwise specified. If you have money in your FSA account, it might be a good idea to schedule a procedure that may not be 100% covered by your insurance before the end of the year so you can get the most out of your insurance and FSA.

Call us today if you need to schedule a cleaning and checkup before the end of the year! And if you don’t have insurance, call anyway. We offer an in-house plan to make your oral care for more affordable.

Image by Gerd Altmann from Pixabay