We’re moving into the holiday season and 2018 is quickly coming to an end. This means that the opportunity to use your dental insurance benefits or Flexible Spending Account (FSA) is also closing soon.
Here at WhiteWing Dental, we want you to get the most out of your insurance benefits or FSA. Don’t let the year slip by without paying us a visit at our McAllen or La Feria office.
There’s still time to take full advantage before time runs out!
What is an FSA?
A Flexible Spending Account (or a flexible spending arrangement) is a type of account you put money into that can be used later to pay for specific out-of-pocket health care costs for you, your spouse, and your dependents.
You can use your FSA for:
- Paying deductibles and copayments
- Purchasing prescription medications and over-the-counter medicines with a doctor’s prescription
- Covering the costs of certain medical equipment
Generally, you must use the money in your Flexible Spending Account within the given plan year, if not, you lose any money that has been left in the account.
You can benefit the most from your FSA by:
- Planning carefully so you don’t put more money in your account than you will use in the year.
- Contacting your FSA administrator to figure out what services are covered.
- Checking up on year-to-date spending to make sure you have reached your limit.
- Making a dental appointment well in advance of the year’s end.
What About My Dental Insurance Benefits?
If you have traditional dental insurance, you pay a monthly premium and deductible for preventive and/or restorative dental services. Once you have reached your insurance deductible, you are able to receive free dental care up to a certain amount.
For instance, if you have already paid your plan’s full deductible and are eligible for $2,000 worth of dental benefits but you don’t use that amount before the end of the calendar year, you lose out on all those benefits and will be required to meet your deductible once again in 2019.
To take advantage of your dental insurance benefits consider:
- Getting preventive work done. Most plans pay 100% for preventive visits.
- Plan ahead. Make appointments early so that you can get the treatment you need before the year ends.
- Work with your dentist and insurer to figure out what you are covered for.
Dental Care Services You Can Benefit From
Depending on your specific insurance coverages benefits, you could be eligible to receive a number of dental care services including:
- A dental checkup
- Restorative work including bridges, fillings, or crowns
- General dental maintenance