Use Your Dental Insurance Before the End of the Year
As the end of the year approaches, many of us realize that we haven’t made full use of our dental benefits. It’s estimated that fewer than 5% of us are reaching or exceeding the annual maximum on our dental plans. Those of us with Flexible Spending Accounts are also not always using up the pre-taxed savings that can help pay for medical and dental care.
Whether you’ve got the FSA or have a benefits plan, you’ll likely see that your current plan benefits run out at the end of the year. Don’t end the year losing out on the benefits that may still be available to you. Shreveport’s dentist, Dr. Ben Kacos, works with a team of professionals who will be able to help you break down and understand the dental benefits you have available.
Understanding Dental Benefit Plans
The majority of patients with dental benefits have them through their place of employment. However, the self-employed and contractors use individual plans. Regardless of how the plans are purchased, there is a premium on the insurance being paid every month or annually. If the benefits aren’t being used, then these dollars being spent on the insurance premiums are essentially being wasted.
Deadlines for Insurance Use
While it can certainly vary between insurance plans, the majority of medical and dental companies have benefit deadlines falling on December 31. Any unused benefits will not roll over for use in the new year. To check on when your benefits use the deadline is for this year, be sure to speak to your insurance company or ask your benefits administrator at work.
Getting the Most Out of Your Benefits
Most of us tend to think of our medical and dental benefits only when we need them for an injury, illness, or for a painful and infected tooth. However, you should consider taking steps to get the most out of your benefits. This way, you are getting the most out of the money you pay for your plan. The key to any insurance plan is to take advantage of your benefits before they run out for the year.
Dr. Christopher Green, a dentist in Parker, CO, reminds us that prevention is much better than a cure. This holds true for your health, dental health, and also for your budget. The majority of medical and dental plans cover 100% for your preventative visit. So, if you’ve yet to have one this year, now is the best time for you to schedule it. Your insurance may also pay for 100% of the costs of your cleaning with your dentist in Shreveport, LA. Dentists in Georgetown, KY says that now is the perfect time to get the whole family into the office. Schedule appointments for a checkup, cleaning and perhaps working out a treatment plan for issues needing to be addressed. Some treatments, such as the options for sedation dentistry Dr. Kacos offers, insurance plans do not typically cover.
Use Your Dental Benefits with Your Dentist in Shreveport
If you are in need of extensive restorations, you may be able to get a jump start on what is possible to address next year by making the most of your remaining benefits for this year. When your new year of benefits arrives on January 1st, you’ll be able to work with your dentist to determine what your dental needs might be. This allows you to get the needed treatment in the new year, before your time to use benefits runs out again.
Are you ready to get the most out of your dental insurance benefits, and keep your teeth and gums healthy? Contact Dr. Ben Kacos, Shreveport’s dentist! Whether you’re looking for the best emergency dentist Shreveport has to offer, or you’re looking for a dental implant specialist, you’ll find that Dr. Kacos will meet all of your oral healthcare needs.