There’s still time to take advantage of your 2015 dental insurance benefits to save you and your family money while improving your health. If you have dental insurance and your plan runs on the calendar year, here are seven reasons why you should make your dental appointment today. If your insurance runs on a fiscal year, keep these in mind throughout the year:
- YEARLY MAXIMUM: Most dental insurance plans provide a yearly maximum that they will pay for an individual for dental work per year. Most commonly, this is $1,000 – $1,500 per person, per year and the amount will renew every January. If the full amount isn’t used for dental care, the unused dollars will not roll over. Use it or lose it!
- CARE PLAN OVERLAPPING: It is possible to begin the care in your treatment plan at the end of one benefit year and finish it up in the next year. This maximizes your insurance benefits and reduces your out-of-pocket costs.
- TAX SAVINGS: If you are having contributions deducted from your payroll on a pre-tax basis into a Flexible Spending Account (FSA), be sure to use up your full deduction amount for the year. If not, you will forfeit any amount you contribute to your FSA that you don’t use by the deadlines. For those who have a Health Savings Account (HSA), take advantage of this triple tax advantaged account by using your balance to improve your oral health.
- DEDUCTIBLE: This is the amount you must pay out-of-pocket before your insurance carrier will begin covering your dental expenses and is, on average, $50 annually for an in-network dental care provider. For example, our practice, Jason C Campbell DDS Cosmetic & Family Dentistry, is an in-network provider for the Delta Dental Premier office serving all Delta clients. Many local employers provide Delta Dental insurance to their employees. Since we are an in-network provider, we are able to provide Delta Dental members with a low $50 deductible, as well as, lower fees for services covered under this plan. We also provide dental care for many patients as an out-of-network provider. If our practice is not an in-network provider for your insurance and you are interested in learning more about your out-of-network benefit participation, contact us to take advantage of our FREE dental insurance benefit analysis.
- PREMIUMS: When paying monthly premiums for dental insurance, it is wise financially to be using your benefits. If you don’t have dental problems, you should, at a minimum, use your benefits to have regular hygiene cleanings in order to prevent and detect any early signs of cavities, gum disease, oral cancer, bruxism (grinding and clenching of teeth) and other dental problems.
- UPDATING DENTAL CARE: As we live longer, your original teeth may not last forever. Neither does the stuff your dentist gave you! Everything has a lifespan. Keep your dental work up-to-date at a reduced cost while you still have insurance benefits.
- FEE INCREASES: At the beginning of each year, some providers will review their pricing to determine whether they will have fee increases due to increased cost of living, materials and equipment. This may increase your copay, so it is best to keep your expenses down by using your benefits before the year end.
If you are ready to improve your oral health today, call our office, Jason C Campbell, DDS, Cosmetic and Family Dentistry and the Advanced Prosthetics Institute at 928-776-1208 to schedule your appointment. Take advantage of our year-end offer on our QCBN ad to receive a FREE:
- Dental Insurance Benefit Analysis
- New Patient Consultation
- Bite Wing X-rays
Check out our prevention to dental rehabilitation services, as well as our reviews at www.MyPrescottDentist.com and learn more at www.APIDentalRehab.com. We are now open Mondays – Fridays 8 a.m.-5 p.m. With the upcoming holidays and year end, appointments are filling up. Call to schedule your appointment soon. QCBN
Dr. Rick Farnsworth, DDS, of Jason C Campbell, DDS, Cosmetic & Family Dentistry and the Advanced Prosthetics Institute. Both offices are located at 139 W. Whipple St. in Prescott.