Are you unfamiliar with the fine print on your dental plan? Have your past attempts at understanding your coverage done nothing more than give you a headache? If you answered “yes” to either of these questions, you’re certainly not alone. Unfortunately, that means you could be leaving wasted dollars on the table, especially since many policies reset in January. To prevent that from happening, a dentist in Big Pine Key is sharing three ways to maximize your dental insurance benefits this year!
#1. Schedule Your Second Routine Appointment of 2020
Between the shutdown at the beginning of the year and the usual hustle and bustle that comes with the holiday season, it’s likely that you skipped one of your routine dental checkups and cleanings. Since most dental plans cover two per year, neglecting to attend one of them means your unused coverage turns into wasted dollars the moment your plan renews. So, if you haven’t already, schedule your second preventive care appointment!
#2. Ask About Your Remaining Annual Maximum
The annual maximum on your policy is the highest dollar amount your insurance carrier will contribute to your treatment within a given year. If you have yet to meet it, make sure to schedule any treatment your dentist recommends ASAP. That way, the remaining coverage can benefit your oral health and your wallet!
#3. Utilize Your FSA Dollars for Out-of-Pocket Expenses
A Flexible Spending Account (FSA) is an employer-sponsored benefit that allows employees to set aside a portion of their paycheck for medical-related expenses that arise throughout the year. Sadly, many patients are unaware that their FSA dollars can be used to cover dental treatment or forget about their account entirely! Since there are typically restrictions that prevent the amount from carrying over into the following year, you definitely want to utilize this benefit ASAP, especially since it can help cover out-of-pocket expenses.
Whether you have an individual dental plan or one through your employer, you want to utilize your benefits to the fullest. That way, your unused coverage doesn’t turn into valuable dollars down the drain. Fortunately, you can use the above three tips to prevent that from happening this year!
About the Author
Since graduating in the top 10 of her class from Nova Southeastern University, Dr. Amanda Cobb has helped countless patients achieve pristine oral health and beautiful smiles. Although she and her team aren’t in-network with any dental insurance providers, they can make the financial component of your treatment seamless by filing the claim on your behalf and maximizing your benefits. So, if you have a question about your coverage or are simply looking for a “dentist near me,” don’t hesitate to visit her website or give her a call at 305-872-4272.