Although dental plans vary from one patient to the next, they all are designed with one thing in mind: making prioritizing your dental care an obvious choice for your oral health and your wallet. However, if you aren’t familiar with the details of your policy, then you may be leaving unused coverage and wasted dollars on the table. Since many plans reset in January, maximize your dental insurance benefits before the end of the year by implementing the below tips!
#1. Don’t Skip Your Biannual Checkup and Cleaning
Your six-month visits to your dentist aren’t just a recommendation, they are a key component of any solid oral hygiene routine. In fact, many dental insurance providers cover up to 100% of the cost because they ward off decay, catch gum disease in the early stages, remove stubborn plaque, and clean the hard-to-reach areas of your mouth. That being said, if you don’t attend one of your allotted visits, you don’t get a bonus one the following year. So, if you haven’t scheduled your second checkup and cleaning of 2020, contact your dental team today!
#2. Ask About Your Annual Maximum
Each year, your insurance company commits to contributing a certain dollar amount to your treatment, which is your annual maximum. If you don’t meet this amount before your plan resets, then your maximum will fund again and that coverage will turn into wasted dollars. Fortunately, you can prevent that from happening by asking your insurance carrier about your residual amount. If you still have benefits available, then schedule any recommend restorative treatment before the end of the year.
#3. Use Your FSA Dollars Before They Reset
A Flexible Spending Account allows employees to set aside a portion of their paycheck for medical-related expenses that arise throughout the year. Although many patients are aware that they can use these dollars to cover out-of-pocket dental expenses, few know that there are typically restrictions that prevent it from carrying over year after year. Therefore, it’s a good idea to contact your HR department (or whoever handles your benefits) to use your FSA dollars before they reset.
Regardless of what kind of dental plan you have, you want your coverage to benefit your oral health and your wallet. Fortunately, you can make sure that happens by implementing the above tips!
About the Author
Since earning his Doctor of Dental Surgery from Marquette University Dental School, Dr. Scott N. Quandt has studied at the world-renowned Las Vegas Institute and earned the title of Fellow in the Academy of General Dentistry. Whether you have an individual dental plan or one through your employer, he and his team at Dental Designs by Quandt will file your claim, maximize your coverage, and ensure there are no surprises along the way. If you have a question about your benefits or want to schedule your appointment before the new year, visit his website or give him a call at 920-499-6466.