Halloween is upon us, which means you have about two months to use up your dental benefits. Don’t let benefits run out! Check with your insurer or your periodontist in Worcester to see if you have any remaining benefits. If you do, then schedule an appointment today so you can begin or complete the periodontal care you need to maintain a healthy and beautiful smile.
Why Have Periodontal Care Now?
Whether you pay for periodontal care with an insurance benefits plan or a Flexible Spending Account (FSA), chances are those funds will expire on December 31, 2018. In fact, the National Association of Dental Plans estimates that only 2.8 percent of people with PPO dental plans reach or exceed their annual maximums. Now is the time to make the most of your benefits. If you know you need treatment, call your periodontist today to schedule an appointment.
Dental Benefit Plans
Dental benefit plans are available through an employer or individual plans can be purchased through Health Insurance Marketplaces established by the Affordable Care Act. In either case, you have to pay premium payments, and those dollars go to waste if you don’t use them annually.
With most plans there is a December 31stexpiration date and the unused portion does not roll over to next year. Be sure to check the details of your plan because some have different expiration dates.
Flex Spending Accounts
FSA’s are set up through an employer. During open enrollment, you decide how much money to put in the account. Then, a portion of this amount is deducted from your paychecks before taxes are taken out.
Like dental insurance, the money in an FSA can be used to pay for services and products you need to keep you teeth and gums in good condition. You can even use an FSA along with your dental insurance to cover your co-pays.
You typically must use the money in an FSA within the plan year. There are some that offer a grace period or allow you to carry a certain amount over to next year.
How can you make the most of an FSA? First of all, plan ahead so you don’t put more money in the account than you’ll be able to use in a year. And as with a dental insurance plan, talk to your periodontist during your visit about any future services you may need. This way you’ll be able to schedule them in a timely manner and make the most out of the funds in an FSA.
Don’t let benefits or dollars go to waste. Call your periodontist today to schedule an appointment.
Meet the Doctors
Dr. Handsman and Dr. Jenny are periodontists in Worcester. Both are trained and skilled in the placement of dental implants as well as bone graft surgery to support implants. Call to schedule an appointment today.