It’s a busy time of year. The holidays are in full swing as we make the sprint to 2016’s finish line. In between celebrations and other calendar obligations you might have lined up this month, scheduling one last dentist appointment before year’s end would be wise.
One of the best gifts you can give yourself is good oral health – and you can be sure to accomplish this by utilizing any unused insurance benefits you might have leftover.
Insurance companies can make millions off those who don’t use their benefits by the end of a year. Most plans provide coverage up to a certain annual dollar amount. If you’re unsure what might remain on your plan, feel free to contact us and we can assist you in obtaining the necessary information.
Many dental insurance plans only provide minimal coverage until you spend a certain amount out of your own pocket (most average around $50 per year). If you’ve used your dental insurance already this year, you might have met that deductible already – so one last dental visit before year’s end could mean paying nothing out of pocket.
This is the limit on how much the plan will pay for your dental working within a calendar year (the average is around $1,000). This maximum renews yearly, so if you’ve yet to hit the mark you’ll lose out.
Established through employers, your FSA is an account that you elected to have some pre-tax pay filter into. If the entire FSA contribution isn’t used by the end of the year, you lose it. Check your FSA – if you have some dollars still left, consider utilizing it for a dental check-up.
By delaying a dental appointment you could be turning a simple cavity into a needed root canal. When ignored, dental issues exacerbate the problem. Don’t let a sore tooth ruin your holiday – or your bank account. Come in to see us as soon as you can.