Do you need a teeth cleaning or restorative treatment to repair a broken tooth? Dental insurance makes dentistry more affordable for individuals and families. However, many patients wonder why they should use their insurance benefits before the end of the year.
The answer is simple: if you don’t use your 2021 dental insurance benefits before the end of the year, you lose them. Dental insurance doesn’t roll over to the following year. Now is the time to use your benefits and get the dental care you need before 2021 ends and the following year begins.
If you have tooth pain or need to schedule a routine cleaning, don’t hesitate to contact our dental office in Phoenix, AZ, today! Our dentist can diagnose and treat your oral health concern and ensure your smile stays on track.
Besides caring for tooth pain or scheduling your routine exam and cleaning, here are five insurance-related reasons why you should arrange your appointment with Dr. Matthew Milana at Arcadia Dentistry.
Your Insurance Deductible
Your insurance deductible is the amount of money patients must pay their dentist before their insurance company pays for dental services. Your deductible starts over each new year. So, if you have already paid your deductible but only visited Dr. Milana once, you’re technically not getting your money’s worth.
Changes in Coverage or Increase in Fees
We recommend using your benefits before the end of 2021, as the coming year may present fee increases, reduced services covered, or other changes with your insurance.
Flexible Spending Account (FSA) Contributions
Another practical reason to schedule your dentist appointment before the end of 2021 is to spend any remaining balance in your flexible spending account (FSA). Your FSA account is established through your employer, and you may have chosen to have some of your pre-tax pay put into this account. If you don’t use the entirety of your FSA by the end of this year, you will lose them as they do not roll over into the following year.
Most dental insurance plans have a yearly maximum of what they will cover. This maximum will go to the cost of your dental care within a specific period, usually January through December. The patient must pay any amount above the maximum. Yearly maximums vary by the insurance company and renew every benefits period. Any unused benefits will not rollover.
Contact Us Today about Dental Insurance
If you are currently paying dental insurance premiums every month, you should be using your benefits to their fullest potential. Even if you don’t have any specific oral health concerns or are experiencing a dental emergency, we agree with the American Dental Association that twice-yearly exams and cleanings are vital. Regular exams and cleanings allow us to screen for signs of decay, gum disease, oral cancers, gum recession, and more.
Do you have questions about your dental insurance in Phoenix, AZ? If so, please don’t hesitate to contact our knowledgeable team at Arcadia Dentistry! We can help you navigate the ins and outs of your dental insurance benefits so you can better understand your coverage and make the most of your plan before your benefits expire for the year.
Our Arcadia Dentistry team looks forward to serving you with a smile!