What the Year’s End Means For Your Wallet
Now’s the Time to Visit Your Dentist in Fremont!
It’s November. That means colder weather, holiday feasts, time with family and the end of the insurance year. Of course, we hope that you enjoy this season with your loved ones. But don’t neglect your dental care, because if you ignore the insurance issue, you could lose out on quite a bit of money.
Calendar Year Benefits
Many dental insurance plans offer a certain dollar amount of benefits in each calendar year, after which they no longer cover the cost of care (or they pay for a much lower percentage). However, if you don’t use the maximum amount of services, the extra often doesn’t roll over into the following year.
As dentists in Fremont, we hear some of our patients say that they want to wait until after the busy holiday season is over, then take care of their dental needs in the quieter months. We know how busy this time of year can get, but it’s an unpleasant surprise to go to schedule your dental work in January, only to find out that you simply threw away your previous year’s benefits.
With certain insurance plans, you can roll over your unused benefits, but only if you have regular preventive dental exams. That might mean you need to schedule your checkup and cleaning before the end of December to be eligible to keep your benefits for next year. If you’re not sure about the limits in your dental plan, just ask our friendly staff and we’ll be happy to check for you.
Flexible Spending Accounts (FSAs)
A flexible spending account, or FSA, is a great way to save money pre-tax to spend on health care. Just be aware that whatever you don’t spend from your FSA, you lose at the end of the year. That means that, if you still have some money sitting in your FSA, it’s a good idea to spend it on qualified medical or dental expenses while you still can.
What Does This Mean For You?
If there’s any dental work that you know you need, whether it’s your regular checkup or that crown you’ve been putting off, your best bet is to have it done before the end of December. If you wait until January, you might lose out on hundreds or even thousands of dollars of insurance benefits or FSA money.
If you’re having any problems with your teeth or your gums, and you’re not sure whether it’s something to worry about, now is a great time to come and talk with your dentist in Fremont. The cost of the visit, and any dental work you end up having, can help you use up your remaining benefits for this year. So why wait? Schedule your appointment today, to ensure you make it here before that ball drops on New Year’s Eve!