{"id":3683,"date":"2022-12-09T19:50:28","date_gmt":"2022-12-09T19:50:28","guid":{"rendered":"https:\/\/normansmilecenter.com\/?page_id=3683"},"modified":"2022-12-09T20:38:16","modified_gmt":"2022-12-09T20:38:16","slug":"using-your-end-of-year-dental-benefits","status":"publish","type":"page","link":"https:\/\/normansmilecenter.com\/using-your-end-of-year-dental-benefits\/","title":{"rendered":"Using Your End-of-Year Dental Benefits"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3683\" class=\"elementor elementor-3683\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e647521 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e647521\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c8a4772\" data-id=\"c8a4772\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91cdeb5 elementor-widget elementor-widget-spacer\" data-id=\"91cdeb5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b159c86 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b159c86\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a5f341\" data-id=\"1a5f341\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d8e7db3 elementor-widget elementor-widget-heading\" data-id=\"d8e7db3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Using Your End-of-Year Dental Benefits<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5bcf9ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bcf9ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bfd96dc\" data-id=\"bfd96dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0753bbd elementor-widget elementor-widget-text-editor\" data-id=\"0753bbd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Ah, December. The most wonderful time of the year. Time for decking halls, dashing through the snow, and\u2026discussing your dental benefits.<\/span><\/p><p><span style=\"font-weight: 400;\">Whether you have traditional dental insurance or a Flexible Spending Account (FSA) to help pay for dental expenses, chances are your benefits are on a deadline, and most deadlines are December 31. While some plans may end at different times throughout the year or follow a \u201crolling calendar,\u201d where benefits roll over into the next year, most insurance plans\u2014both dental and general healthcare\u2014operate on a traditional calendar schedule and reset every year on January 1.<\/span><\/p><p><span style=\"font-weight: 400;\">So what does this mean for you?<\/span><\/p><p><span style=\"font-weight: 400;\">Depending on your plan, it may mean leaving money and valuable coverage on the table.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb165c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb165c5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-907154b\" data-id=\"907154b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7b0489 elementor-widget elementor-widget-spacer\" data-id=\"c7b0489\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77e2bf9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77e2bf9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6370742\" data-id=\"6370742\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b768b4 elementor-widget elementor-widget-heading\" data-id=\"6b768b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the different types of dental plans?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e04cc83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e04cc83\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-154d3ca\" data-id=\"154d3ca\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0957e9b elementor-widget elementor-widget-text-editor\" data-id=\"0957e9b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There are two primary types of dental plans with benefits that expire every year.<\/span><\/p><p><span style=\"font-weight: 400;\">The first is a dental benefits plan through your employer. This is usually a group plan like a Preferred Provider Organization (PPO) that requires a monthly premium, which may be paid entirely by the employer, entirely by the employee, or a combination of both. Employees are then typically responsible for a deductible and a copayment when they seek dental care, but will pay lower out-of-pocket costs if they visit an in-network provider.<\/span><\/p><p><span style=\"font-weight: 400;\">The second is a Flexible Spending Account, or FSA. FSAs are set up through your employer and use pre-tax dollars from your paycheck to cover eligible healthcare and dental expenses. During open enrollment each year, you\u2019ll decide how much money to put into the account for the year, and a portion of that will be deducted before tax from each of your paychecks, though most FSAs have a maximum amount you can contribute each year. It will work sort of like a checking account, where you can use an FSA debit card to pay for your medical and dental expenses.<\/span><\/p><p><span style=\"font-weight: 400;\">Both types of plans have an annual maximum they will cover in dental care.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-63b21aa\" data-id=\"63b21aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5019743 elementor-widget elementor-widget-image\" data-id=\"5019743\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"518\" src=\"https:\/\/normansmilecenter.com\/wp-content\/uploads\/2021\/10\/partials-dentures.jpg\" class=\"attachment-large size-large wp-image-1409\" alt=\"\" srcset=\"https:\/\/normansmilecenter.com\/wp-content\/uploads\/2021\/10\/partials-dentures.jpg 989w, https:\/\/normansmilecenter.com\/wp-content\/uploads\/2021\/10\/partials-dentures-300x243.jpg 300w, https:\/\/normansmilecenter.com\/wp-content\/uploads\/2021\/10\/partials-dentures-768x621.jpg 768w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a38f52d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a38f52d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ac35e8\" data-id=\"8ac35e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f69c614 elementor-widget elementor-widget-text-editor\" data-id=\"f69c614\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>There are two primary types of dental plans with benefits that expire every year.<\/strong><\/h3><p><span style=\"font-weight: 400;\">The first is a dental benefits plan through your employer. This is usually a group plan like a Preferred Provider Organization (PPO) that requires a monthly premium, which may be paid entirely by the employer, entirely by the employee, or a combination of both. Employees are then typically responsible for a deductible and a copayment when they seek dental care, but will pay lower out-of-pocket costs if they visit an in-network provider.<\/span><\/p><p><span style=\"font-weight: 400;\">The second is a Flexible Spending Account, or FSA. FSAs are set up through your employer and use pre-tax dollars from your paycheck to cover eligible healthcare and dental expenses. During open enrollment each year, you\u2019ll decide how much money to put into the account for the year, and a portion of that will be deducted before tax from each of your paychecks, though most FSAs have a maximum amount you can contribute each year. It will work sort of like a checking account, where you can use an FSA debit card to pay for your medical and dental expenses.<\/span><\/p><p><span style=\"font-weight: 400;\">Both types of plans have an annual maximum they will cover in dental care.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-61c7cd4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61c7cd4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73b6b5a\" data-id=\"73b6b5a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-85dbf98 elementor-widget elementor-widget-spacer\" data-id=\"85dbf98\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-161b45a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"161b45a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64d3870\" data-id=\"64d3870\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3b6e29 elementor-widget elementor-widget-heading\" data-id=\"d3b6e29\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What happens when a dental plan resets?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b3b44c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b3b44c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-821e189\" data-id=\"821e189\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe94fdd elementor-widget elementor-widget-text-editor\" data-id=\"fe94fdd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><span style=\"font-weight: 400;\">Two important things happen when your dental plan resets.<\/span><\/h3><p><b>1) Your deductible resets.<\/b><span style=\"font-weight: 400;\"> Your deductible is the amount of money you have to pay to your dentist out-of-pocket before the insurance kicks in to cover any services. The fees vary from one plan to another and can be higher if you see a dentist who is out of your plan\u2019s network, but the average deductible is about $50. Once you meet this amount in payments to your dentist, the insurance company will pay a percentage\u2014or in some cases all\u2014of specified care and treatments through the end of the year. On January 1, for many plans, your deductible resets and you start the year back at the beginning.<\/span><\/p><p><b>2) Any unused benefits are lost.<\/b><span style=\"font-weight: 400;\"> If you are paying a premium every month for your insurance plan, you are accruing benefits to help you cover the cost of many dental-related expenses and routine care. Dental benefits typically cover the majority of preventative and restorative procedures like fillings, crowns, implants, bridges, x-rays, and more, while some plans even cover some or all of the cost of dentures, implants, or oral surgery. For most dental insurance and FSA plans, the benefits provided are \u201cuse or lose\u201d; if you don\u2019t use them by the end of the year, you lose what you\u2019ve paid for and you start right back at square one for the next year.<\/span><\/p><h3><span style=\"font-weight: 400;\">Other things that could occur when your plan resets include:<\/span><\/h3><p><b>Changes in coverage. <\/b><span style=\"font-weight: 400;\">The healthcare and insurance world is a fickle and fluid one; there is no guarantee that your benefits remain the same every year.<\/span><\/p><p><b>Fee increases. <\/b><span style=\"font-weight: 400;\">Some dentists raise their rates at the beginning of the new year to account for increases in costs of living, materials, and equipment, which could translate to higher fees and co-pays for you.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-309ca2e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"309ca2e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30ea2b0\" data-id=\"30ea2b0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cfe2b2 elementor-widget elementor-widget-spacer\" data-id=\"6cfe2b2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ecd588 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ecd588\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c8aed9\" data-id=\"1c8aed9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19bb289 elementor-widget elementor-widget-heading\" data-id=\"19bb289\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What will my dental benefits cover?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c9de4a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9de4a1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c667a3f\" data-id=\"c667a3f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7fe32c elementor-widget elementor-widget-text-editor\" data-id=\"b7fe32c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Your covered benefits will depend on your plan, but in general, most FSAs and dental insurance plans will cover all or at least a portion of the cost of preventative and restorative treatments, services, and procedures including:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fillings and sealants<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cleanings and exams<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Crowns<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonding<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dentures and implants<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extraction<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inlays and onlays<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diagnostic and preventative services like x-rays and fluoride<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Treatment for gingivitis, TMJ, and gum recession<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oral surgery<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Root canals<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Orthodontics for medical or dental health reasons<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Some plans will even cover the cost of oral pain remedies, co-pays, and deductibles, but few\u2014if any\u2014will cover premiums or cosmetic services like whitening, veneers, or cosmetic orthodontics.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bf8f36e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bf8f36e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7062ef4\" data-id=\"7062ef4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1ace22 elementor-widget elementor-widget-spacer\" data-id=\"d1ace22\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-924b5b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"924b5b3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-18a41fd\" data-id=\"18a41fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3de41f5 elementor-widget elementor-widget-heading\" data-id=\"3de41f5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I make the most of my dental benefits before the end of the year?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22426b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22426b0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d3f7c19\" data-id=\"d3f7c19\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e26911b elementor-widget elementor-widget-text-editor\" data-id=\"e26911b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To maximize your dental benefits, you first need to find out some important information such as:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you have employer-provided benefits or an individual plan, such as those available through Health Insurance Marketplaces established by the Affordable Care Act, or do you have an FSA set up through your employer?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What\u2019s covered under your plan? You can work with your dentist and benefits provider to find out what your plan will pay for and how much it will pay.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How much is your deductible? Have you met it for the year?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do you anticipate your dental benefits changing next year, such as a change in employment or employment status for you or your spouse?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What is your yearly maximum? This is the most money that your plan will pay for your dental work within one full year. Although it varies by company, the average maximum is around $1,000 per year and renews each year.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you paying a premium and how much? Your premium is the amount of money you pay upfront for your plan. If you are paying a premium every month, you are earning benefits you should be using, and if you aren\u2019t going to the dentist, you\u2019re essentially wasting that money.<\/span><\/li><\/ul><p><b>If you have employer-provided dental benefits or an individual plan, such as those available through Health Insurance Marketplaces:<\/b><\/p><p><b>Take advantage of any benefits before they expire<\/b><span style=\"font-weight: 400;\">, including preventative care like bi-annual cleanings and checkups, for which most plans pay nearly 100%. If you haven\u2019t had an exam yet this year, now\u2019s the time to do it.<\/span><\/p><p><b>Use your coverage early. <\/b><span style=\"font-weight: 400;\">During earlier checkups and exams, talk to your dentist about what treatments you may need before the end of the year as well as what\u2019s covered. Schedule them as soon as possible to make sure you get as much coverage as possible.<\/span><\/p><p><i><span style=\"font-weight: 400;\">If you\u2019ve already met your deductible and need a routine cleaning or restorative procedure like a filling, do it now while the insurance company will pay for at least a portion of it, if not all of it.<\/span><\/i><\/p><p><b>If you have an FSA:<\/b><\/p><p><b>Plan carefully<\/b><span style=\"font-weight: 400;\">. Don\u2019t plan to put more money into your account than you\u2019ll spend in a year. Before open enrollment, talk to your dentist about what kinds of services you may need and how much you\u2019ll need to budget for them.<\/span><\/p><p><b>Contact your FSA administrator.<\/b><span style=\"font-weight: 400;\"> Your FSA administrator can provide information on your plan allowances as well as a list of covered services and products, referred to as \u201celigible expenses.\u201d<\/span><\/p><p><b>Make any appointments as soon as you know you\u2019ll need them. <\/b><span style=\"font-weight: 400;\">This helps ensure you use your FSA dollars in time.<\/span><\/p><p><b>Ask your employer about extensions to use your funds.<\/b><span style=\"font-weight: 400;\"> Employers may offer a grace period of up to 2.5 extra months after December 31 to use your money, or they may allow you to carry over a certain amount per year into the following year.<\/span><\/p><p><span style=\"font-weight: 400;\">No matter which type of plan you have, there\u2019s an added advantage to using all your benefits before they expire on the dental treatment you know you need. The majority of dental conditions do not go away on their own, only worsening with time; what\u2019s a cavity today will only become a root canal tomorrow if it isn\u2019t treated. By taking care of problems now, you can use what you have left to pay for important treatment and avoid more expensive and extensive procedures in the future that you may not have all the coverage to pay for. Sometimes your dentist can even split a procedure into phases or stages, so you can have some work done at the end of the year and delay the rest until the next year when your benefits reset.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-505235a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"505235a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4876919\" data-id=\"4876919\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a008384 elementor-widget elementor-widget-spacer\" data-id=\"a008384\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37bba81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37bba81\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-600000f\" data-id=\"600000f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e8f805c elementor-widget elementor-widget-heading\" data-id=\"e8f805c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What if my dental benefits have already expired for the year?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ead724f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ead724f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-662be6c\" data-id=\"662be6c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c96a601 elementor-widget elementor-widget-text-editor\" data-id=\"c96a601\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Missed your window to use your dental insurance or FSA benefits? Don\u2019t worry. Now\u2019s a great time to talk with your dentist to start planning for next year. You may also still have time to take advantage of the open enrollment period, which happens near the end of every calendar year and gives you a chance to make changes to your current plan and benefits, or even change plans.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ffb3cc5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffb3cc5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-af59efe\" data-id=\"af59efe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c80840a elementor-widget elementor-widget-spacer\" data-id=\"c80840a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2e3416 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2e3416\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fec0db2\" data-id=\"fec0db2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-85207de elementor-widget elementor-widget-heading\" data-id=\"85207de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maximize Your End-of-Year Dental Benefits at Norman Smile Center<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60ebdb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60ebdb6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c109f55\" data-id=\"c109f55\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-620c58e elementor-widget elementor-widget-text-editor\" data-id=\"620c58e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">According to the National Association of Dental Plans, roughly 97% of people with PPO dental plans reach or exceed the annual maximum for their plans each year. That\u2019s hundreds of dollars that can be used toward preventative and restorative dental care that ensures a lifetime of good oral health.<\/span><\/p><p><span style=\"font-weight: 400;\">If you want more information on getting the most out of your end-of-year dental benefits, <\/span><a href=\"https:\/\/normansmilecenter.com\/contact-us\/\"><span style=\"font-weight: 400;\">call Norman Smile Center today and schedule an appointment<\/span><\/a><span style=\"font-weight: 400;\">. We do everything we can to make paying for essential dental care easy and affordable, including submitting insurance claims on your behalf. We accept most major dental insurances and we\u2019re a preferred provider for Blue Cross-Blue Shield, Cigna, and Delta Dental. We also offer an array of payment and financing options to complement your insurance coverage and fit any budget. Don\u2019t wait until it\u2019s too late; start using your benefits today!<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Using Your End-of-Year Dental Benefits Ah, December. The most wonderful time of the year. Time for decking halls, dashing through the snow, and\u2026discussing your dental benefits. Whether you have traditional dental insurance or a Flexible Spending Account (FSA) to help pay for dental expenses, chances are your benefits are on a deadline, and most deadlines [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1333,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Using Your End-of-Year Dental Benefits - Norman Smile Center<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/normansmilecenter.com\/using-your-end-of-year-dental-benefits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Using Your End-of-Year Dental Benefits - Norman Smile Center\" \/>\n<meta property=\"og:description\" content=\"Using Your End-of-Year Dental Benefits Ah, December. The most wonderful time of the year. Time for decking halls, dashing through the snow, and\u2026discussing your dental benefits. 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