It’s the end of the year and that means your dental benefits are set to expire. This is why we are reminding all of our patients to schedule their end-of-the-year dental appointment.
The National Association of Dental Plans estimates only 2.8% of patients with PPO dental plans maxed out their dental coverage. Depending on your plan’s limits and coverage levels or your FSA contributions, you could be wasting thousands of dollars.
Also, if your plan has a deductible and you’ve already met it for 2020, it makes sense to get all the treatment you can before your benefits cycle renews.
If you participated in an FSA through your employer this year, you were able to deposit untaxed money into your FSA account to use toward out-of-pocket medical expenses. Most FSA plans require you to use the money in your FSA account by the end of the year or lose it. Suppose your dental insurance covers a root canal at 80%, you could use your FSA to pay for the remaining 20% and not incur any out-of-pocket expense. Now that’s an awesome benefit!
We at Dental Wellness of Charlotte ask that you plan ahead and schedule your appointment as soon as possible because our schedule does pick up this time of year. We will work with you and your family to get you scheduled and get you the treatment you need.
What type of treatment should I spend my dental benefits on?
The answer to that question depends on your specific insurance coverage. We recommend that you view your plan to see what’s covered—or contact your insurance provider—before selecting the dental service you’d like to schedule.
Assuming your plan coverage permits it, we’d encourage you to come in for a dental checkup if you’re due, or consider having restorative work done like bridges, fillings, or crowns. You may even want to consider teeth whitening if the money in your FSA or dental benefits can be applied toward it.
Please call and schedule your appointment today. We can’t wait to see you!