Using Your End-of-Year Dental BenefitsDecember 9, 2016 9:40 pm
With 2016 quickly coming to a close, now is a good time to use your year-end dental benefits before you lose them. Whether you have a traditional health plan, a Flexible Spending Account (FSA), or any coverage type in between, using your dental benefits before January 1st is a wise decision from both a financial and health-related standpoint.
Yearly Maximums and DeductiblesRemember that your annual maximums and deductibles will reset on the 1st of the year, so if you’ve already hit your dental deductible or are close to doing so, it’s in your best financial interest to have any dental work done before those figures reset. And if you haven’t used your yearly maximum dental payouts, remember that these unused benefits won’t roll over to 2017. Why let them go to waste? The same concept applies if you have an FSA; your dental benefits for this year do not roll over into 2017. If you don’t use them, you’ll lose them!
Protect Your Oral HealthMost dental insurance plans also cover basic preventive services each calendar year, including:
- Routine exams and cleanings
- Dental X-rays
- Fluoride treatments