Many dental insurance companies have benefits that end at the calendar year. Unused benefits don’t roll over! This means that if you’re not making the most of your dental insurance, then you’re walking away from dental care and exacerbating your dental conditions at the same time. Now is the time to use your dental benefits before 2021 is over. Here’s what you need to know about getting the most out of your dental plan.
Tips to Maximize Your Dental Benefits
How many times did you see the dentist for preventative care this year? If you haven’t gone as many times as your insurance allows, call your dentist today to squeeze in that end of the year dental cleaning!
This is the perfect time of year to see the dentist. Sugary holiday foods can do damage to your teeth, so getting them clean now can protect your teeth from potential decay.
This is also a good time to plan out your coverage use for the start of the new year. Find out when your dentist recommends returning in 2022, then make your appointments accordingly.
Flex Spending
Are you putting money away in a flexible spending account for your medical and dental services? Flexible spending accounts have a deadline. If you don’t use your savings by the end of the year, then you’ll forfeit those contributions. That’s money you can’t get back. Find out how much money is left in your flexible spending account, and then use those funds accordingly.
If you’re going to continue putting away money in a flex spending account in 2022, plan your use of the money, so you won’t be in this position again at the end of 2022. Find out from your dentist if there are any dental procedures you should plan to have done in 2022, then schedule those procedures for a time of the year when you’ll have enough money in the flex spending account to cover them. Request all your appointments before the FSA deadline.
Consider Whether You’ve Paid Your Deductible
Have you already paid your deductible for 2021? Procedures you schedule for 2022 will have a new deductible, which you’ll have to start paying all over again. You can save money by getting in your dental procedures before the end of the calendar year. Ask your dentist to find out what kind of dental care you need and what you need to do to get those dental procedures on the schedule before January 1.
Keep In Mind Your Annual Maximums
If you haven’t hit the annual maximum that your dental insurance will pay, then it’s time to take advantage of the remaining benefits. Contact your dental professionals at Weninger Dentistry to make a plan to get the most out of your dental insurance. We’re here to help.