{"id":19,"date":"2018-10-24T14:49:44","date_gmt":"2018-10-24T14:49:44","guid":{"rendered":"https:\/\/www.kesslerparkdental.com\/blog\/?p=19"},"modified":"2018-10-24T14:49:44","modified_gmt":"2018-10-24T14:49:44","slug":"dental-insurance","status":"publish","type":"post","link":"https:\/\/www.kesslerparkdental.com\/blog\/2018\/10\/24\/dental-insurance\/","title":{"rendered":"Your 2018 Dental Insurance Benefits: Use \u2018Em or Lose \u2018Em!"},"content":{"rendered":"\"happyDental insurance is a worthy investment in your and your family\u2019s lasting, healthy smiles. Unfortunately, billions of dollars worth of care are wasted each year in unused dental benefits. That\u2019s because most plans renew with the start of the New Year — and anything that you have not used up will expire on January 1. As we near the holiday season once again, it\u2019s important to act now to rescue your benefits. They\u2019re on the chopping block!<\/span>\r\n\r\n\r\n

How Dental Insurance Works<\/span><\/h2>\r\nDental insurance isn\u2019t quite like your medical coverage. Rather, most dental insurance plans work sort of like a benefits plan that you use at the dentist\u2019s office. You pay upfront for discounts on necessary care you can use throughout the year — the general, preventive, and restorative services that keep your smile healthy and clean. <\/span>\r\n\r\nEach month, you will usually pay around $50 for an individual and $150 for a family. In exchange for this amount, you may be eligible for up to $1,500 worth of care after meeting your deductible. Getting as close to this annual maximum as possible is important for making the most of your benefits. Alternatively, when big treatments are needed, it may be wise to break them up over two benefit periods to reduce your out-of-pocket costs. <\/span>\r\n

HSA and FSA Funds Are Vulnerable, Too<\/span><\/h2>\r\nIf you have a health savings account (HSA) or flexible spending account (FSA), the greater portion of your leftover funds will be forfeited at the end of the year as well. This money is eligible for reimbursement on dental care and appliances, so consider replacing a mouthguard or scheduling a checkup and cleaning if you are in danger of losing money out of an HSA or FSA. <\/span>\r\n

There\u2019s Still Time! <\/span><\/h2>\r\nFortunately, you still have two months to take advantage of your dental insurance benefits. An <\/span>in-network dental office<\/span><\/a> can help you figure out what you are eligible for and what you are at risk of losing when they perform a verification of benefits. Then, they can help you make smart decisions about how to get the most out of your plan while reducing out-of-pocket costs on necessary dental care. <\/span>\r\n\r\nSome tips for stretching your dental coverage in 2018 include:<\/span>\r\n