fenton Family Dental

Reasons for using Year-end Dental Benefits

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Dental plans can be in effect within a calendar year (January through December) or a fiscal year (October 1st through September 30). Either way, when the plan ends, your benefits will also end. It’s a “use it, or lose it” scenario.  That is why it is so important to work with your dental office’s financial coordinator to find how much in benefits you have left for the year. If you still have some benefits remaining, and you have dental treatment that needs to be done, it makes sense to maximize your insurance by using up your remaining benefits by getting the necessary dental care completed before your plan expires.

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1. Deductible

Most dental plans charge you an annual individual and/or family deductible. This one-time fee is paid the first time you use your plan for the year. Once the deductible is paid, your insurance benefits will start to kick in. Since you’ve already paid the deductible, it is wise to maximize your insurance coverage by using up the annual dental benefits you have paid for.

2. Premiums

In addition to the deductible, most people have to pay a portion of their dental premiums. Monthly premiums have to be paid whether you use your benefits or not. That is why using up your dental benefits is a good financial decision.  Your dentist will be happy to work with you to prioritize your dental care.

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3. Yearly Maximum

Your yearly maximum refers to the maximum benefits that the insurance company will pay for your dental work. Yearly maximums vary depending on what plan your employer has purchased. However, whether calendar or fiscal year, once the year has ended, so do your dental benefits. It is smart to work with your dentist to make the most of your dental benefits before they end.

4. Flexible Spending Plans

If you use a payroll contribution to Flexible Spending Account (FSA), it is usually paid with pre-tax dollars.  Using a FSA is a great way to save money and get necessary dental/medical care completed. Generally, however, if you do not use your FSA, you will forfeit the money you contributed to it. This is another good reason to work closely with your dental office’s financial coordinator so they can coordinate your FSA and Dental Benefits to get your necessary dental treatment completed with the least amount of out-of-pocket expenses to you.

Call or schedule today so you can be sure to get your dental care completed before your dental insurance maxes out and while you still have money left in your flexible savings account!

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Call or schedule today so you can be sure to get your dental care completed before your dental insurance maxes out and while you still have money left in your flexible savings account!

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Silver spring

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Silver Spring

8630 Fenton Street, Suite 708, Silver Spring, MD 20910

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8913 Woodyard Road, Unit B, Clinton, MD 20735

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