October 17, 2019
You’re a savvy consumer. You always make sure that you get your money’s worth when you buy a product or service, and you try to never leave money on the table. Well, if you haven’t seen your dentist on a regular basis this year, you may be forfeiting hundreds of dollars that you’ve contributed toward your dental insurance. Did you know that your coverage resets at the beginning of the calendar year? This means that your benefits do not rollover, or in other words, you lose whatever benefits you do not use. With 2019 drawing to a close soon, now is the perfect time to learn how to maximize your dental benefits in Falls Church.
Stay Updated with Your Preventive Care
While medical insurance mostly addresses the treatment of existing problems, dental insurance primarily covers preventive services, such as dental checkups and cleanings. Why? It is much easier, and therefore less expensive, to stop oral problems from occurring in the first place than it is to treat them later on. As a result, some dental insurances mostly or even entirely cover the cost of these routine visits, sometimes at no additional cost to you depending on your insurance plan. By visiting your dentist twice every year, you can steer clear of problems that would cost you significantly more in the long run.
Get Treated and Use Your Yearly Maximum
Every year, your dental insurance has a maximum amount that they will pay toward your dental treatment. This number can vary greatly from plan to plan, but $1,000 to $1,500 per person is typical. If you already have a cavity or some other oral problem, get it fixed now and use your insurance’s available funds to help pay for treatment. When the new year comes around, any amount that you have not used does not get rolled over into the next year, so it’s important to use your yearly maximum while you still can.
Take Advantage of Your FSA Money
Do you have a flexible spending account (FSA)? Every paycheck, you contribute money to this account—before taxes are taken out—and you can use it to pay for costs associated with medical and dental care. An FSA is very beneficial, as long as you use it. The money you contribute to your FSA does not roll over into the next year. Like your dental insurance benefits, if you do not use this money, you lose it. Just as you wouldn’t want to pay for food at a restaurant and throw it immediately into the garbage, you don’t want to waste money that you have available to you to keep your smile healthy and strong.
When 2020 comes, your dental insurance benefits will reset, and you’ll have a fresh start, but you still have time to maximize 2019’s dental benefits to your advantage now. Has it been a while since you’ve visited the dentist? Set up your appointment before the end of the year to take advantage of benefits that you’ve already paid for. Your wallet will thank you for it later.
About Tysons Dental Esthetics
Dr. Sanae Berrada, Dr. Aya Jawad, and the team at Tysons Dental Esthetics are proud to accept dental insurance to help make dental care more affordable for families in Falls Church. They are in-network with many plans, including Cigna, Humana, MetLife, Delta Dental, UnitedHealthcare, and more. If you have an insurance question or would like to schedule an appointment with them, you can contact Tysons Dental Esthetics by calling (703) 821-8111 or clicking here.
No comments yet.
RSS feed for comments on this post.
Sorry, the comment form is closed at this time.