2019 is quickly drawing to a close and the New Year is on the horizon. Have you taken full advantage of your dental benefits? According to the American Dental Association, only 2.8 percent of people with a PPO dental plan reach or exceed the annual maximum allowed by those plans. Everyone else is missing out on an important way to maintain healthy teeth and gums.
Your dental health plan and/or FSA account provides coverage for certain treatments, services and procedures. General dentistry services are typically covered.
If you know that you need a certain dental service and have been putting it off, now is the time to call us. You may be able to fully utilize your health benefits if treatment can be completed before the end of the year.
You pay the premiums for your insurance, so make sure you get what you paid for. Every policy has a deductible. Once you meet the deductible, the insurance company must pay the full amount of any services covered under your plan. You may want to check to see if you have met your deductible.
Your policy will also have an annual maximum. If you've already used your policy up to the maximum limit, it makes sense to wait until your policy renews. Dental cleanings and exams are often 100% covered (depending on your plan), so be sure to take advantage of your routine cleanings and checkups.
Flexible Spending Accounts
FSAs are often called "use it or lose it" accounts. They are set up through your employer, and you contribute a certain amount of your pre-tax earnings. The money is available to you to spend on predetermined healthcare costs, as outlined by your specific plan. Many types of dental care are generally eligible, although certain cosmetic dentistry may not be eligible.
If you have unused money in your FSA account, dental care may be a great way to spend it before the year is over. Most FSAs will expire on December 31, and any remaining money may not roll over to 2020. Check with your employer or the manager of the FSA to find out if there is a grace period or if any amount carries over.
Schedule an Appointment
Please call 703-527-1020 to schedule an appointment at Arlington Dental Aesthetics or 703-327-7705 to schedule an appointment at South Riding Smiles. We serve patients in Arlington, South Riding and throughout Northern Virginia.