There is a lot going on at this time of year. You might be shopping for the holidays, planning a family trip to visit Grandma, writing your list of New Year’s Resolutions, or trying to finish up some stuff at work before January arrives. In all of the chaos that the end of the year inevitably brings, it’s easy to let some things slip your mind—like dental care. However, December is the perfect time to visit your dentist in Newtown because doing so will help you maximize your insurance benefits.
Benefits Expire at the End of the Year
For most insurance policies, the benefits expire on December 31. That isn’t to say that you won’t have coverage next year, but some of the fine print in your policy may change. Moreover, you’ll have to start all over again with your deductible in 2018. That’s why, if you’ve already met your deductible for this year, it’s in your budget’s best interests to get in another dental visit before time runs out.
Generally, flexible spending accounts (FSAs) also have a deadline of December 31. You can usually use these funds for just about anything a regular dental plan would cover, such as cleanings, checkups, and even braces. However, just like with insurance, anything you don’t use by the deadline is lost to you forever. Some FSAs offer a grace period of a couple of months, but if you don’t know if yours does, now is the time to find out for sure.
More Tips to Maximize Your Dental Benefits
Here are a few more tips that can help you get the most out of your dental benefits:
- Remember that prevention is primary. Many plans cover 100 percent of preventive dental care. That’s why, even if your mouth feels healthy, it pays to go in for regular cleanings and checkups. Your dentist might be able to stop problems before they start — and before you have to pay hundreds of dollars for a procedure that your insurance will only cover part of.
- If you’re unhappy with your dental plan, do your best to maximize your benefits this year, but also shop around for next year. You might find a policy that offers more comprehensive coverage, a lower deductible, or a lower co-pay.
- Try to plan ahead. If you don’t end up getting everything you could out of your benefits in 2017, starting looking ahead to 2018. Schedule an appointment for early in the year and use your dentist’s recommendations to think about work you might need to have done later on.
December 31 is just around the corner! We encourage you to get the most out of your dental benefits before they expire.
The group of talented professionals at Dentists of Newtown wants you to get the most out of your dental care budget, which is why we accept many insurance plans as well as flexible payment options. If it’s time for your next appointment, please contact us.