As you prepare your holiday to-do list with gifts and your family’s favorite treats, don’t leave off one of the most important things: your oral health. If you have dental insurance but haven’t used up all your benefits for 2016, make sure you take advantage of the services you are owed before the ball drops on New Year’s Eve! Creative Smiles is in-network with a number of insurance plans, and we will always process and file your claims for you.
How Dental Insurance Works
Dental insurance benefits do not roll over from year to year. Most plans are set on an annual calendar, which means they renew on January 1 each year. That means if you have unused benefits or have not reached your annual maximum on December 31, you will have to start over — and those dental benefits you are entitled to go to waste.
So how can you make the most out of your insurance plan in 2016? It begins with knowing what treatments and services you are eligible for under your plan. Contact your dental insurance provider to find out what you can still receive coverage for this year. Then schedule an appointment with your dentist.
Preventive Care = Completely Covered
Because preventive dental care is the key to your continued oral health, your insurance plan should cover two checkups and cleanings an a set of x-rays each year. A six month visit to your dentist allows our team to remove the plaque and tartar buildup to promote good tooth and gum health. Gum disease prevention is key to your overall health and wellbeing. The condition has been linked to heart trouble, respiratory issues, and pregnancy complications.
Visiting the dentist even when you don’t think you need to can help you enjoy a healthy, happy smile for a lifetime to come. And when it’s covered by your dental insurance, you don’t really have an excuse not to!
If your dentist finds an issue during your checkup and cleaning, we will put together a plan for restorative care. Most dental insurance plans cover a significant portion of treatments like fillings, crowns, bridges, and tooth replacement. For a higher premium, or the amount you pay in exchange for your dental services, you may even be eligible for orthodontics or certain cosmetic services.
Watch Your FSA/HSA Benefits, Too
If you have an FSA (flexible spending account) or HSA (health savings account), be aware of how much money you have left to spend in 2016. Most of your funds will roll over, but there are maximums beyond which you must forfeit money to your employer. You can use your FSA/HSA account to pay for orthodontics, nightguards for bruxism, sports guards for athletes, and other devices for better oral health.
Schedule a Year-End Appointment Today
Don’t wait until it’s too late to use your 2016 benefits. November and December are the busiest months at our office, so act fast to get in at a time that works for you! Schedule a visit with Dr. Buck at Creative Smiles.