Even with the cost of inflation, dental benefit maximums have remained at the same financial amounts since the 1980s. Since taking care of your mouth is important, you need to know how to help your dental care be as affordable as possible. Here are 3 important tips to keep in mind:
It goes without saying, but having routine preventive care is cheaper than waiting to see a dentist for a problem. It also allows your dentist to diagnose problems when they are smaller and much more affordable to treat. What is a small filling today could be a root canal down the road if you wait to get it looked at.
Maximizing Your Insurance Benefits
The types of dental care you get have different levels of coverage. For instance, preventive care that includes fluoride and sealants might be 100%, while a filling is 80%. Having these non-invasive, preventive steps taken can keep your teeth stronger and help them repel tooth decay. When it’s time to set up a treatment plan, your dentist will review your options with you so that you can select a treatment that best fits your needs. Remember that benefits expire at the end of the year, so it helps to take advantage of them early!
If a portion of your treatment is not covered by dental insurance, ask about financing options. Many dentists offer in-office options or 3rd party financing to help patients have their necessary treatment while still making affordable payments each month.
The investments that you put into your smile help it last for a lifetime. Putting your care off can cause you to lose teeth or even your confidence. Ask your dentist what options are out there to help you afford the care you need.
Posted on behalf of:
Wayne G. Suway, DDS, MAGD
1820 The Exchange SE #600
Atlanta, GA 30339
Each year, many of us decide to participate in ‘cafeteria’ plans offered by employers to help provide a tax spending on health care or child care expenses. At the end of the year, it is very common to have some extra money left over in the health care flexible spending account. This is a good thing. It means you have been healthy this last year. But, it is bad because this money is ‘use or lose’ money. So, what to do with your leftover cafeteria plan money?
Did you know that dentistry costs are qualified expenses under the flexible spending account rules? Have you been putting off getting that crown, bridge, or dental implant because you are concerned the cost?
Maybe you are embarrassed by the look of your teeth? Do you have an extra space or gap? Perhaps a missing tooth that never was replaced? Did you take frequent antibiotics as a child, causing some dental changes to occur in your tooth enamel or tooth structure?
Maybe you just haven’t had a regular dental check up and cleaning in a while? Routine dental check ups are important to ensure the health of your teeth, gums, mouth and lips. Routine cleanings, when performed by a licensed dental hygienist will help keep your teeth healthy for months to come.
All of these expenses are great ways to use your flexible spending account money and it will be like a free trip to the dentist! Don’t ‘lose’ the money! Instead, find a great way to help improve yourself and put that money to work for you.
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