Its January, a time for making resolutions and looking ahead at whats in store for 2016. This year, make a plan for how your family will most effectively use its dental benefits. Remember if you dont use them, you lose them.
- Know your plan details. Before you begin planning, get up to speed on your plans deductible and annual maximum. Your deductible is the amount you must pay before expenses are covered by your dental benefits plan, up to your plans annual maximum. Knowing these amounts will help you plan your familys needed dental work beyond checkups and cleanings.
- Schedule exams now. The key to successfully using your dental benefits is to take advantage of whats covered. Preventive care, like checkups and cleanings, is usually covered by your plan and typically isnt applied to your plans deductible. Be sure to get your familys appointments on the calendar now to make sure everyone visits the dentist to help prevent cavities this year.1
- Use a health savings account for dental expenses. During the insurance open enrollment period, you may have selected a health savings account. This account lets you pay for qualifying out-of-pocket medical and dental expenses tax-free, and it never expires. Its an easy way to save money for your family in 2016.