How to Maximize Your End-of-Year Dental Benefits
We can hardly believe that it’s another time of year, but yes, it’s time to use or lose them! Of course, we’re talking about your dental perks.
We want to make sure you are able to receive any dental treatment you may need before the new calendar year starts because you have spent good money on your benefits. So, read on to learn some of the most common questions about end-of-year dental benefits that we get.
How do I know if, at the end of the year, my dental benefits expire?
While most dental plans expire at the end of the calendar year, they do not all.
If you want to know if your dental benefits expire at the end of the year, please give our dental office, Parker CO a call. We perform a thorough check of your advantages and would be happy to answer any questions you might have about your plan. You may also directly contact your dental insurance company or the human resources department of your employer for questions regarding your benefits.
This advice also holds true, by the way, if you are participating with your employer in a Flexible Spending Account (FSA). The maximum amount of money in an FSA that can be rolled over is $500, according to IRS regulations, and anything over that amount is forfeited. So we suggest contacting the administrator of your plan to find out how much cash you have left to spend.
How Do I Check My End-of-Year Dental Benefits?
There are a few ways to find out whether you have any remaining dental benefits.
- Call Parker CO dentist, Dr. Chris Green, and ask! We can check this for you and let you know where things stand at the moment. Keep in mind, you will need to take this into account if you have used benefits at the office of another dental provider or at a specialist office earlier in the year.
- Contact your dental insurance company directly, and if there are pending claims on file that may affect your remaining benefits, they can tell you.
- Refer to the Summary of Benefits booklet that you received, but be careful when you sign up for your benefits plan. These booklets are often vague and provide only a very general explanation of what is covered by your plan, without any alternative benefit clauses or other restrictions that may be in place being explained in particular.
For the best explanation, it is best to contact your insurance company or employer when in doubt.
What Residual Benefits Cover Dental Services?
To this, there’s no hard-and-fast answer. Each insurance plan is different and has levels of coverage of its own says Colorado Springs dentist, Dr. Cody Boals. Generally speaking, most dental plans fully cover preventive services, 80% basic services, and 50 % of the plan allowance for major services. Most plans have an annual maximum benefit that they pay out per covered person every year-that amount is often $1,000. Additionally, before your plan starts to pay, you may be required to meet a deductible.
At a minimum, we suggest you schedule any preventive visit for a dental examination, annual x-rays, and cleaning. Our Green Dental Care team will be able to identify any treatment needs at this appointment that should be taken care of before the end of the year. In addition, now is the time to get this done if we have already identified treatment for you. Procedures like dental implants Parker, CO dentist, Dr. Chris Green, may require more than one visit to be completed and, if they are not completed by the end of the year, they may not be paid on the basis of benefits for the current year.
Why Schedule a Dental Appointment with Your Parker, CO Dentist
It may seem like you have all the time to fit into your dentist appointments in the world. January will be here before you know it. Our schedule is going to book up very quickly. In fact, this is our busiest time of year! Many of our patients try to take advantage of their dental benefits before they expire.
Avoid the rush and do not miss out by scheduling an appointment, now. Contact Green Dental Care to set up your dental appointment. If you are stuck between jobs and ever find yourself without dental coverage. Green Dental Care offers a solution! Check out our Parker CO Dental Savings Plan!