It’s that time of the year again. The days are shorter, the temperature is dropping, leaves are falling, and families are getting together to celebrate the season. A recent study revealed that more than 50% of people in the US with dental insurance never use their benefits, and insurance providers count on it. If you have dental insurance and haven’t been to our office for dental care in 2015, you’re losing money. For patients who contribute to a Flexible Spending Account (FSA) and don’t use the money, that too gets absorbed at the end of the year. Don’t let your benefits go to waste. Visit our Midtown Manhattan dental practice to take full advantage of your dental health coverage in 2015, and remember, we can help you plan your FSA withholding for 2016. It needs to be set prior to December 31, 2015.
How to Make the Most of Your Benefits
- Know your coverage — what are your deductibles, plan limitations, maximums, and covered treatments.
- Dental benefits don’t roll over. If you don’t use your accrued coverage by December 31, the money goes back to the insurance company.
- The same might be true of FSAs. You’ve saved the money, and you should use it. Make sure you’re saving an appropriate amount each year. Not sure how much to put away for 2016? Visit the Drs. Boyd. We can help you develop an oral health care plan for the coming year, and determine how much money to set aside.
- If you need extensive treatment, it might be best to space the coverage out over two years. By getting started now, we can help you make the most of your coverage.
What You Could Do
If you’ve already had two dental checkups this year, you may think there’s nothing left to do with your benefits, but it never hurts to take a closer look at your smile. Some of the treatment options you may consider to take advantage of excess coverage before the end of the year include:
- Night Guard Dental Protector – Approximately 10% of people grind or clench their teeth during sleep. This condition, called bruxism, slowly wears down enamel causing numerous oral health concerns. It can be remedied by wearing a night guard to protect your teeth as you sleep. If you’ve been putting off having a custom night guard made, this is a great option for your long-term dental health.
- Broken teeth – Small chips and cracks in teeth are often left unrepaired unless they cause pain. Repairing this damage is another procedure typically covered by insurance providers and a great way to use up end of the year benefits or FSA account funds.
- Invisalign – Consider using your FSA funds to straighten your teeth to enhance your smile and improve your dental health.
Find Out More
Generations of families have trusted the Drs. Boyd Midtown Manhattan dental practice to make and maintain beautiful smiles that last a lifetime. Interested in finding out more about how taking full advantage of your dental insurance benefits can improve your health and well-being, contact the Drs. Boyd to schedule your appointment today.