December 3, 2020
Every month, you put aside money for your oral health. Essentially, dental insurance plans are there to help you receive more affordable dental care when you need it. However, are you getting the most out of your monthly investment. Maximizing dental insurance benefits in Boston can be confusing, but with the right knowledge, it will be second nature. Continue reading for some tips to help you get the most out of your coverage.
Go to the Dentist for Preventive Care
If you haven’t been going to the dentist regularly for cleanings and checkups, you aren’t even close to fully maximizing your insurance benefits. When you attend these appointments, you are preventing oral health issues from developing in the future. In addition to getting your teeth cleaned by your hygienist, your dentist will be examining your smile for existing issues so they can be treated before they become worse. This you, you can avoid invasive and costly treatments in the future. If your dentist finds a small cavity now, they can treat it before you end up needing a root canal or extraction later on. The good news is that most health insurance plans cover preventive care.
Prevent General Health Issues
Your oral health and overall health have a lot in common. In fact, your dentist can tell a lot about your health by just examining your mouth. For instance, if you have periodontal disease, you are much more likely to have other issues going on in your body. Dentists can detect more than 120 different health conditions during routine cleanings and checkups. This includes heart disease, diabetes, respiratory issues, and pregnancy complications for women who are expecting. By seeing your dentist often, you can prevent other issues in the body that could cost you quite a bit of money.
Choose a Dentist Who Is In-Network
If you have a preferred provider organization (PPO) dental insurance plan, you can pick whatever dentist you want for your oral healthcare – even if they aren’t in-network. However, if this is the case, you may end up with higher out-of-pocket costs. Weigh the pros and cons of different practices so you can decide if an in-network provider would be the best option for you.
Use Your Flexible Spending Dollars
You should use the money in your flexible spending account (FSA) before the year comes to an end. Usually, dental expenses are eligible FSA healthcare expenses. FSAs reduce your taxable income by putting aside money for healthcare. If you use tax-free dollars for your dental care, you will save money.
Review Your Dental Benefits
This is a great time to review your dental benefits. This way, you will know exactly what is covered and when your benefits will reset. For most people, they reset at the end of the calendar year. At this time, you are responsible for paying your deductible again. Your remaining benefits will not carry over.
Dental insurance may seem like a challenge, but when you use the tips listed above, you are likely to find that you are saving more.
About the Author
Dr. Jack B. Share is an experienced dentist who has been working in the field for over four decades. He has been in private practice in Boston since 1983 and is a member of numerous professional organizations including the American Dental Association and the American Academy of Cosmetic Dentistry. For more information on dental insurance or to schedule an appointment, visit his website or call (617) 742-1350.
No comments yet.
RSS feed for comments on this post.
Sorry, the comment form is closed at this time.