The holiday season is upon us again, and if you’re like most Americans that means you’re trying to find ways to make your dollar go further. To get the most for your money this year, make sure you’re maximizing your dental benefits. You could save hundreds or thousands of dollars — and that could put a lot more under the tree this year.
Here’s your key to maximizing your dental benefits this year.
Get All Your Cleanings and Diagnostics
For most dental insurance, routine cleanings and checkups are covered twice a year, with only a minimal copayment. There’s no reason not to get both of them in. Preventive visits reduce your risk of developing cavities and gum disease, both of which can be expensive to treat. Cleaning your teeth more often also helps them stay pearly white!
Your checkups and bitewing x-rays also help us find problems when they’re small and may not require much treatment. Sometimes, early gum disease or a developing cavity can be treated just by changing your hygiene routine.
If You’ve Hit Your Deductible
Many dental insurance plans have an out-of-pocket deductible that makes you pay the first expenses yourself. But once you reach your deductible, you pay little or none of the cost for covered services. That means that if you’ve reached your deductible, it’s best to get more treatments this year before your deductible resets.
But be aware: some dental insurance plans also have a maximum benefits ceiling. You need to make sure you don’t exceed that or you could end up spending more than you bargained for.
Don’t Forget Your Flex
Flex spending accounts allow you to save money by spending pre-tax dollars on healthcare. If you have money in your flex spending account, dental services are a great way to spend them so you don’t lose them.
Flex dollars can be used for any general dentistry treatment, but, in general, can’t be used for cosmetic dentistry. There are a few places where the overlap is so large that you might be able to get cosmetic dentistry with your flex dollars. Potential examples include orthodontics and dental implants, but you should check the details of your plan to see what’s covered.
Tax Write-offs Can Be Valuable
In addition to flex spending accounts, tax deductions for health care can make dental treatment an even bigger bargain at the end of the year. Essentially, anything that you can spend your flex dollars on — preventive dentistry and restorative dentistry treatments — is also tax deductible.
And don’t forget to write off related expenses, such as travel to and from the dentist, and even your insurance premiums!
Planning for Next Year
If you want to really maximize your dental benefits, it’s best to start planning what next year is going to look like. With procedures like orthodontics and dental implants, treatment and payment can be spread out so that you maximize your benefits next year, without having to think about it at the end of the year.
At the office of Dr. Nelson Clements, we want to make sure you get the most for your money. That’s why we offer quality dental care that is a great value, and why we work with you and your insurance company to maximize your benefits.
We tend to get booked up quickly during the holidays, so if you’re looking to make the most of your benefits before the end of the year, please call (229) 242-5511 today and schedule an appointment at our Valdosta, GA office.