End of Year Dental Benefits: Use Them Before You Lose Them
Tuesday October 31, 2017 by Melissa Brown, DDS
It’s the end of the year and your family is probably busy, busy, busy. Well, you might be surprised to learn that so are we—traditionally, November and December are packed with patient appointments, as many people like to use all their dental benefits before the calendar year ends. If you need dental work—and want to schedule it for 2017—we encourage you to make your appointment today.
Why Do Dental Insurance Benefits Expire?
When you have dental insurance, you pay a monthly premium that entitles you to dental care at a free or reduced cost, once your deductible is met. These dental plans specify a maximum amount insurance providers will pay toward preventative and/or restorative dental services after the deductible’s been reached—often that figure is between $1,000 – $2,000.
Let’s say, for example, that you’ve already paid your plan’s deductible and your dental benefit is $1,500. If you don’t use that amount before the end of the calendar year, you’ll lose it and be required to meet a new dental deductible in 2018.
What About Flexible Spending Accounts?
Flexible Spending Accounts—or FSAs—apply to some individuals who receive their health insurance through an employer. 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 in 2017.
However, most FSA plans require you to use the money in your FSA account by the end of the year or lose it. If you have questions about how your FSA works, we encourage you to contact your FSA plan administrator.
I Don’t Have Dental Insurance. Can Murray Hill Help Me?
Absolutely! We’re pleased to be able to offer a very affordable dental savings plan to our uninsured patients. For a low annual fee, you’ll be entitled to two dental exams/cleanings per year, X-rays, and a host of discounted dental services. Learn more about the Murray Hill Dental Savings Plan.
What Types of Services Should I Spend My Dental Benefits on Before Year-End?
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 Zoom whitening if the money in your FSA or dental benefits can be applied toward it.
However, we’d encourage you not to delay. We do tend to fill up appointments quickly at this time of year so we recommend you call now or schedule your appointment online today by clicking here. We look forward to seeing you!