If your dental plan is like most, it runs on a calendar year. With only a few months of 2010 left, now’s the time to make sure that you’re getting the most from the dental benefits you’ve paid into throughout the year. In some cases, squeezing a dental treatment into your pre-holiday schedule could save you hundreds of dollars.
Here are some reasons to make sure you get in the chair before the end of 2010:
Your yearly maximum is the total amount of your dental bill for the year that your insurer will cover. While it varies plan to plan, the average amount is around $1,000 per person annually. This amount does not roll over, so if any portion of that thousand dollars remains unused on your balance, it will disappear on January 1.
Your deductible is the amount of that you must contribute out of pocket to your insurance company before they will cover the rest of your dental bill. An annual deductible averages around $50, and like your yearly maximum, it does not roll over. If you’ve already paid your deductible for this year, you’re able to access additional treatments for no additional personal cost.
You’re paying a premium for dental coverage every month; you should see some return on that investment. Even if you don’t need extensive dental procedures, keep up with regular cleanings to preserve your oral health and catch any potential problems early.
Some employers allow their employees an extra allowance called flex spending. Like you yearly maximum, these funds must be used prior to Dec. 31st.
Treat yourself! If you’ve taken care of all of your basic dental cleaning and maintenance for the year and still have something left in your account, consider putting it towards whitening or another cosmetic treatment that you might have been thinking about.
Post sponsored by The Dental Spa
Cosmetic Dentists in Philadelphia