Jon Frankel Dentistry

Category Archive: Dental Insurance

  1. 2019: The Year of The Smile

    Make 2019 the year of the smile. Resolve to brush, floss and visit the dentist at least twice.

    We asked our dental team their top tips for making 2019 dental smart. Here are their picks.

    (more…)

  2. Dental claim form with toothbrush concepts of the rising cost of dental care

    It’s that time of year again, when you are busy with school schedules, getting ready for fall weather, and/or scheduling upcoming Holiday plans. During this busy time, you may not be thinking about your available or unused dental insurance benefits.

    Whether you have insurance benefits remaining or if you have funds set aside in a flexible spending account (FSA) or healthcare saving account (HSA), now is the time to schedule treatment so your co-payment amounts can be applied to this year’s deductions.

    Make sure to use all available benefits to complete any outstanding treatment or for your all-important preventive dental hygiene appointment. Almost all plans do not allow you to rollover unused dollars to the next benefit year. So, Use ‘Em or Lose ‘Em!

    Call us today to schedule your appointment. We find that the upcoming holiday season is always our “busy time” and we are certain it is a very busy time for you too.

  3. When discussing dental insurance benefits, the cliche phrase “use it or lose it” truly applies. Most dental insurances allow so many dollars per calendar year, and any dollars that are not utilized are lost. Additionally, the same philosophy applies to Flexible Spending or Health Saving Accounts, which force you to forfeit any left over money that you have paid for. Therefore, it is in your best interest to use these benefits each year before they expire and your money is lost.

    Now that the end of the year is quickly approaching and there are only a few short months left to maximize your dental insurance benefits, I thought some tips to help educate patients would be valuable.

    Before scheduling a dental appointment, call your insurance provider to find out the exact amount of your unspent dental benefits. Additionally, ask them what is covered with your policy. Typically, preventative procedures like cleanings, x-rays, and dental exams are covered, while cosmetic procedures, like whitening and veneers, are not. Although, most dentists have staff members who check this for you, it is always nice walking into the office knowing what your out-of-pocket expenses may be.

    When calling your dentist’s office, be sure to not only schedule for yourself but also for eligible family members. However, don’t forget that many dental offices may be seeing an influx of patients at this time, and the sooner you call, the more likely your dentist will be able to schedule your families’ appointments.

    Sometimes it is possible and beneficial to complete dental treatment in phases. This works nicely at the end of the year and the beginning of the next year. Depending on your individual needs, careful planning to maximize your benefits remaining for 2013, while completing the remainder of your treatment in early 2014 can provide you with more reimbursement than waiting to do it all the treatment next year. But, it is important to keep in mind that when insurance renews, there may be coverage changes, which includes changes in procedures covered and co=pays.

    Saving money shouldn’t be your only motivation when visiting the dentist. Routine dental visits can detect early problems like gum disease and oral cancers. In addition it is important to remember that even a small cavity left untreated can become a bigger, more expensive dental problem in the future.

    Be sure to use your dental insurance benefits before you lose them!

    Jon Frankel is a general and cosmetic dentist in Toledo, Ohio. His practice is founded on state-of-the-art technology and a belief that patient education is key to great oral hygiene. To learn more about Dr. Frankel and his practice, please visit his website: http://www.jonfrankeldentistry.com or “Like” him on Facebook at http://www.facebook.com/jonfrankeldentistry

    Article Source: http://ezinearticles.com/?Use-It-or-Lose-It:-Tips-for-Using-Your-Dental-Insurance&id=7997701

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