October 21, 2018
Are you covered by a dental insurance plan? Don’t make this mistake: each year, Americans waste billions of dollars on unused dental insurance benefits. That’s money that could otherwise go to necessary preventive, general, and restorative dental care. Let’s make sure that doesn’t happen in 2018! Keep reading to learn about how you can maximize your investment in dental insurance. There’s still time to rescue your remaining benefits!
How Dental Insurance Works
Dental insurance works sort of like a loyalty card you can use at your dentist’s office. You pay upfront for coverage and discounts on necessary general and restorative dentistry services that you can receive throughout the year. When you visit a dentist who is in-network with your plan, you will not have to pay anything at all for treatments that are completely covered (like your six-month checkups and cleanings). For anything else, simply hand over the amount you owe — and that’s it!
Most dental insurance plans range around $50/monthly for an individual and $150 for a family of 3. In exchange for this monthly payment (the premium), you may be eligible for up to $1,500 worth of care once you meet your deductible. You want to get as close to this annual maximum as possible each year to keep from losing money that you have already invested.
FSAs/HSAs Are At-Risk, Too
If you have a flexible spending account (FSA) or health savings account (HSA), any money that you have not used at the end of the year is also on the chopping block. You may be able to roll a portion of your remaining balance over to 2019, but the greater portion will be sacrificed when the clock strikes 12 on New Year’s Eve. You can spend these funds on oral appliances like sleep apnea devices, nightguards for bruxism, and more.
Get Started in October
The good news is that there is still plenty of time to rescue your unused benefits and funds in an FSA/HSA! A dental office who accepts your insurance can perform a verification of benefits to find out just what you have left for 2018. Then, they can partner with you to make strategic decisions which will serve your smile and your budget best. You get two checkups and cleanings per year for free with your dental insurance, so if you haven’t used both already, that’s a great place to start.
Remember that dental offices do fill up around this time of year, so don’t wait to schedule an appointment. Acting now is a wise move — you’ll love benefitting from affordable dental care that helps you enjoy a healthy and long-lasting smile!
Meet the Practice
Lapalco Family Dental offers affordable and comprehensive dental care for friends and neighbors in Marrero, LA. They accept the most popular dental insurance plans and are waiting to help you maximize your benefits before the year is up! To discuss your coverage or to book an appointment, don’t wait to get in touch by calling their office at (504) 348-0080.
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