Pleasanton Dentist - Use your Dental Benefits before Year End - Smiles by Design in Livermore

The year 2012 is just starting and with it may be the opportunity to save some of your hard earned money. For those of you with dental insurance, there are benefits to getting dental work done before the end of the year. Most dental insurances run on a calendar year, meaning the benefits apply from January 1 – December 31. I encourage you to read on and if any of these situations apply to you, make that appointment and save some money!

• Annual deductibles will be reset: With the new year comes new plan obligations. Most insurances that have deductibles require that they be met once per year. If you have already had dental work done in 2011, this means you have met your deductible already. Getting more work done this year will save you having to shell out money to meet your deductible next year.
• Annual maximums do not roll over: Most insurance companies have a limit on the amount of money they will pay per person per year. This money is there for you to use and unfortunately, does not roll over into the next year. If you don’t use it, you can say goodbye to that allowance! Take advantage of the money your insurance has allotted for you to use.
• Use up your FSA contributions for 2011: The same “use it or lose it” policy applies to FSA or flex spending accounts. You elect each year how much you would like withheld for medical/dental expenses. If you do not use these funds in full, you will not see them again. By coming in before the end of the year, you can make the most out of those FSA benefits still available to you.
• Coverages are subject to change: Will you have the same dental benefits in 2012 as you do now? You may want to contact your insurance and verify what plan benefits, in any, will change with the new year. If coverage becomes more limited, you will definitely want to schedule before the end of the year while you still can!

Plan for 2012.

by young family dental