The new year has begun, which means people are just beginning their resolutions and making positive changes in their daily habits. But many people tend to overlook their dental insurance plans because they don’t see the need to schedule so early in the year.
According to a BlueCross BlueShield dentist in Pea Ridge, there’s no better time than now to start thinking about your benefits and begin maximizing them to the fullest! Here’s how you can get started!
Review Your Dental Plan in Detail
To start, confirm the amount of your plan’s annual maximum and deductible. The deductible refers to the amount you need to pay before any expenses are covered by your dental plan. The annual maximum refers to the total amount a plan will cover in a given year. The more familiar you are with these amounts, the more effectively you can plan your dental work for yourself as well as your family. The best way to learn the details of your insurance plan is to contact your provider directly, view their website, or speak with your HR manage at your work (if that’s where you get your insurance.)
Start Scheduling Preventive Treatments
According to the American Dental Association, individuals should be visiting their dentist at least once every six months for a checkup and cleaning. Through this basic preventive care, you’re doing everything you need outside of your normal at-home routine to prevent dental problems and catch the early signs of systemic disease.
Most dental plans cover the majority of the cost for these treatments, typically between 80 and 100 percent. This is because preventive care is often cheaper to provide and insurers are more willing to cover treatments that prove that you care about maintaining long-term oral health. Just make sure that you’re scheduling appointments for your family members as well if they’re part of your plan.
Take Advantage of Your FSA or HSA
If you chose a flexible spending account or health savings account during the open enrollment period, it’s important that you take advantage of them throughout the year. These accounts allow you to pay for certain out-of-pocket expenses, which can vary based on the plan. Keep in mind that these dollars you’re saving are tax-free, which means you’re getting more bang for your buck on treatments you know you’re going to need to pay for later.
One of the most common treatments you can pay for with HSAs and FSAs is dental crowns and fillings, but you may also be able to pay for other restorative treatments. Make sure to check with your provider directly to ensure that you’re treatment is covered.
Maximizing your benefits doesn’t have to start at the end of the year. Schedule an appointment with a dentist in Pea Ridge to start taking advantage of your dental insurance benefits!
About the Author
Dr. Chris R. Combs earned his DDS degree from the Texas A&M Baylor College of Dentistry. His practice accepts many forms of dental insurance and is more than happy to help you better understand your coverage or file claims on your behalf. To learn more about your coverage or the practice, you can contact him through his website.