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A Dentist in Rocky River Says Don’t Waste Your Dental Benefits

October 2, 2018

Filed under: Uncategorized — dr_eick @ 7:41 pm

Woman smiling in dentist's chair.Millions of people get to the end of each year with hard-earned money left on the table. Dental insurance is a use it or lose it situation, and only 2.8% of those with a PPO dental plan are reaching or exceeding their plan’s annual maximum. Flexible Spending Accounts are another way of helping pay for dental care with pre-tax dollars. No matter what type of plan you have, most of them run out on December 31st. Keep reading to learn about your dental benefits and when you need to use them from your dentist in Rocky River.

Dental Benefits Plans

If you have dental benefits, remember that you and your employer are paying money up front to get you a better price on dental care. If you don’t see your dentist, those hard-earned dollars are wasted.

When to Use Your Benefits

Your best bet is to check with your employer, but most benefit deadlines are December 31st. Most dental plans don’t have a roll-over option, so your benefits will be wasted if they’re not used.

Get the Most Out of Your Plan

Prevention is your new best friend! Preventive services are much better than receiving a cure or other reactive measures for your health, your schedule, and your pocketbook. Most plans will pay for 100% of your preventive dental visits so if you haven’t scheduled one before the end of the year, now is your time.

It’s good to think about how you can use your benefits early. Since you should see your dentist twice a year, during your spring or summer visit, ask them about any treatments or visits they think you should make before the end of the year.

Once you’ve figured out what you need for the year, you can work with your dentist and benefits provider to see what’s covered. More often than not, your dentist’s office can find out that information for you.

Flexible Spending Account (FSA)

FSA’s are accounts that you can allocate money to that isn’t taxed from your paycheck. They generally cover cleanings, and other services to keep your mouth in tip-top shape.

When to Use Your Benefits

While most of the time you should use your FSA money before December 31st, some employers may provide a grace period of up to 2 ½ months or they may let you carry over some of the money in your account to the next year.

Get the Most Out of Your Plan

The key here is to plan. Since you choose how much money is allocated to your FSA, be sure you don’t put in too much money if you don’t think you’ll need it. Talk to your dentist to see what kind of treatments you may need for the upcoming year to get a better idea about how much money to set aside in your FSA.

Whether you have a PPO or FSA plan, you now know your deadlines and how to get the most out of your benefits. These benefits are something you pay for and using them will save you money and ensure that you have good oral health.

Meet the Dentist

Dr. William Eick has been practicing dentistry for over 20 years. He enjoys caring for his patients and helping them throughout the year to keep their smiles looking happy and healthy. He currently runs his own practice where he can be contacted through his website or by phone at (440) 333-1915 for any questions.

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