Can you believe that in mere weeks, 2018 will be over? As the end of the year approaches, you might be caught up in a whirlwind of family events and celebrations. However, you should still carve out time to take care of other important matters, including your dental health. Getting a checkup before the doors close on 2018 will help you make sure that you aren’t letting your dental insurance go to waste. Let’s talk about how you can get the most out of your benefits before they expire.
A Time Limit on Your Insurance
It’s standard practice for dental insurance plans to operate on a calendar-year basis. Every January 1, you’re given an allowance that you can put toward approved dental work throughout the year. Usually, this annual maximum is between $1,000 and $1,500. If you don’t use up that entire amount by December 31, whatever you have left remaining disappears. It doesn’t roll over to the following year. Very few people regularly meet or exceed their annual maximum. Over the years, the lost benefits could amount to thousands of dollars.
All of this doesn’t mean that you should get dental work you don’t need solely for the sake of using your insurance. However, you should attend regular checkups and let your insurance help you pay for any further work that your dentist in Richardson recommends.
Getting the Most Out of Your 2018 Benefits
One of the best things about dental insurance is that you don’t have to navigate the fine print of your policy all on your own. The office staff in your local dental practice are used to figuring out benefits policies and helping patients understand how their insurance relates to their treatment. They’re also able to offer insightful suggestions that will benefit both your budget and your oral health. For example, they might recommend that you:
- Schedule major treatment across two calendar years. If you need a procedure that will exceed this year’s maximum, you may be able to break it up across multiple appointments in 2018 and 2019. That way, you can take advantage of two annual maximums rather than just one.
- Get minor stuff taken care of now. Getting your teeth examined and completing minor restorative work now will help you preserve the full amount of next year’s annual maximum.
- Combine your insurance with your FSA or HSA. These special savings accounts allow you or your employer to set aside tax-free money throughout the year that you can put toward dental or medical services. FSA funds may expire at the end of the year, so you should use than as soon as you can.
We hope you end 2018 with a healthy smile and a happy wallet. Schedule a checkup now so you can get the most out of this year’s insurance policy.
About Breckenridge Dental and Orthodontics
We have a talented team of five dentists who work together to provide comprehensive, compassionate care to our community. We’re in-network with several major insurance providers, and we would be delighted to help you get the most out of your coverage. To learn more about our practice or to schedule your year-end checkup, contact us at 972-248-9119.