3 Ways to Get Maximum Benefit from Dental Insurance and Spending Accounts Before Year-end
Dental insurance benefits expire at the end of each benefit year. You and/or your employer have paid for these benefits, so you certainly want to use them fully. The same goes for Flexible Spending (FSA) or health savings (HSA) accounts. This is the time to make a plan to use up your remaining benefits. As some people say, “Use it or lose it!”
Start by checking the balances left on your dental insurance benefits, Flexible Spending Account (FSA), and/or Health Savings Account (HSA). This can be easily done online, or by phone, using the contact information on your ID cards. If you need help with this, call our office and we will help you. Also, check when your benefit year ends. For most people, it is Dec. 31, but for some plans the benefit year ends at different times.
Three Strategies You Can Use
Here are three strategies that are commonly used to get maximum value from dental insurance benefits and spending accounts at the end of the benefit year:
- Most plans cover two cleanings/exam per year. If you haven’t had two this year, schedule now to get one in before year-end.
- If you have dental work planned where the treatment plan involves multiple procedures, a common and effective strategy is to schedule the procedures to be done in December and January, so that you can apply two years of dental benefits.
- If you have paid your deductible this year and have dental work coming up, schedule it to be done before year-end. When the new year starts, you will have to pay a new deductible.
We Can Help
Our Office Manager Karen can help you make a plan that lets you get the maximum benefit from your dental insurance and spending accounts this year. Call us today at 732-747-1224 to schedule appointments before Dec. 31. Not only will you save money, but you’ll enjoy better dental health!
