Make a Plan to Use Your Dental Benefits in the New Year
It's the time for making resolutions and looking ahead. This year, make a plan to use and maximize your dental benefits. Remember – if you don't use them, you lose them.
- Know your dental plan details. Get up to speed on your plan's deductible and annual maximum. Your deductible is the amount you must pay before expenses are covered by your dental benefits plan, up to your plan's annual maximum. Knowing these amounts will help you plan any needed dental work for your family beyond checkups and cleanings.You can find information about your deductible and annual maximum online through Delta Dental of Illinois' Member Connection. If you don't already have an account and your dental plan is through your employer, click here and follow these steps to register. If you purchased your dental plan directly from Delta Dental of Illinois, click here.
- Schedule exams now. The key to successfully using your dental benefits is to take advantage of what's covered. Preventive care, like checkups and cleanings, is a good place to start, and these services typically aren't applied to your plan's deductible. Be sure to get your family's appointments on the calendar now to make sure everyone visits the dentist to help prevent cavities and other issues.
- Use a flexible spending account or health savings account for dental expenses. During the insurance open enrollment period, you may have selected a flexible spending account or health savings account. These accounts let you pay for qualifying out-of-pocket medical and dental expenses tax-free, an easy way to save money for your family. You can use your tax-free dollars to pay for most dental care expenses, such as fillings and crowns, as well as other procedures. Check with your flex spending account or health savings account provider for a list of qualifying expenses.