With a new year and new objectives on the horizon, it’s critical to ensure that your dental health is one of the top concerns on your list. Your dental benefits will have been renewed in January, so you can begin using your dental insurance! Whether you are taking routine care of your teeth or considering a larger surgery such as braces, your dental insurance will assist you in achieving these goals. Make 2023 the year of your best smile!
What’s Covered?
One significant advantage of the majority of dental insurance plans is that procedures such as dental cleanings, X-rays, oral exams, and fluoride treatments are entirely covered without the need to meet a deductible. This means you can begin caring for your teeth whenever you choose. Perhaps you haven’t been to the dentist in a while, so the start of a new year is an ideal opportunity for a basic dental checkup and cleaning.
A ‘basic procedure’ is the second sort of dental procedure. During a dental checkup, you may discover that you have a cavity that needs to be filled or that you require tooth extraction. When these types of cases occasionally happen, most insurance policies will cover 70 to 80 percent after reaching your deductible. Coinsurance and copays will also influence how much you pay out of pocket.
If you have a deductible to meet, going to the dentist for more routine maintenance will help you meet that deductible, allowing your insurance to cover any big procedures you may need. Furthermore, your dental coverage may be beneficial in the long run. If you didn’t have dental insurance and didn’t receive regular oral checkups, you might discover later that you have a few cavities that will take a few months and a lot of money to fix all at once. It’s critical to understand that most dental insurance policies cover you for a maximum of $1,000 – $2,000. So you could have a variety of procedures performed until your limit is met.
Most dental insurance policies or health insurance plans will allow you to add on orthodontic insurance to cover these costs and make corrective treatments more reasonable for you and your family in order to receive coverage for orthodontic treatment such as braces and other corrective solutions. If you are thinking about getting braces for your child or yourself, talk to your family or local orthodontists about different insurance options and what they recommend for your life and goals.
Consider Opening an FSA or HSA to Save Money on Taxes While Also Receiving Necessary Dental Care
Flexible Spending Accounts and Health Savings Accounts (FSAs and HSAs) allow you to deposit a specific amount of pre-tax money for use on medical expenses, including dental, during the calendar year.
FSAs are sponsored by employers and can only be utilized once per year, whereas HSAs can be started by an individual, and the amount rolls over to the next year. You can determine which account is appropriate for you.
Regardless of the plan you choose, the ability to spend pre-tax money on dental treatment can help you compound your savings if you also optimize your health insurance advantages!
Get Your Dental Work Done in One Year to Meet Your Deductible!
If your dental plan has a deductible, you are liable for all treatment costs until you reach your out-of-pocket maximum. This is usually around $50 for an individual and $150 for a family. This means that if you require dental work, you should schedule it all at once.
Once you’ve met your deductible, it’s up to your dental insurer to pay for your dental care until you reach your yearly maximum. If you combine numerous procedures such as fillings, crowns, or dentures, you may ensure that you use the full amount of your advantages within a given year!
Fit Your Appointments Into Your Schedule
January is the most convenient month to schedule a dental checkup. Why? One of the slowest times of the year for dental offices is the few weeks following the holidays. Because your dentist is seeing fewer patients, you have more flexibility in scheduling appointments. You’ll also have extra one-on-one time with your dentist to ask him or her questions.
Catch Dental Problems Early
Keeping your smile healthy is mainly a matter of prevention. Cavities do not normally hurt in the early stages, but your dentist can identify them during your visit. You’ll be able to get them treated before they ruin your day with a toothache. Furthermore, you may save money by treating cavities with fillings rather than waiting for the condition to worsen and require a more expensive procedure such as a root canal.
Start the New Year With a Fresh, Bright Smile!
You’re not alone if you’re self-conscious about your teeth. According to studies, four out of every five adults dislike their smiles. Your dentist is here to help! Cosmetic procedures, in addition to cleanings, can help you achieve your ideal smile. Whether your teeth are discolored, damaged, gapped, or misaligned, your dentist may help you feel more confident in 2023.
We care deeply about your oral health and will do everything in our power to help you keep a healthy, beautiful, and confident smile. Getting a dental checkup as soon as possible in the new year allows you plenty of time to set smile goals for the next 12 months. Our dentists also love working with children and helping to keep their oral health in tip top shape, so book an appointment with us for your child today! Make 2023 the year you and your loved ones finally get the dazzling, brilliant smiles you all deserve!
Contact us at 808-948-8880 to schedule your professional cleanings or treatments. We hope to see you in the new year!
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