When it comes to deciding how to spend your money, there are “essentials” and “non-essentials.” Sometimes it’s hard to tell between the two, especially when the non-essentials are something like a great new pair of shoes. But one thing is certain: Routine care with a dentist in Medford is a necessity. But that doesn’t mean you can’t save money on it! Keep reading to learn how to either maximize your dental insurance benefits or, if you don’t have insurance, how to sign up for a savings plan that will make dental care more affordable.
How Can You Maximize Your Insurance Benefits?
Here are several ways to get the most from your insurance plan:
- Understand your plan – Spend a little time looking at your plan benefits to understand what your deductible and annual maximum is, how much of various procedures are covered, and whether you have a co-pay or not.
- Use a flexible or health savings account – If you have either an FSA or an HSA, it’s a great way to squeeze out some extra savings by using the tax-free money in the account to cover what isn’t covered by insurance.
- Schedule early – Your annual maximum will be lost if you don’t use your benefits by the end of the year. It’s usually between $1,000 and $3,000 per person, so you may as well schedule everyone in the family early in the year to make sure you don’t lose this “free money!”
And, since it’s not always easy to understand dental insurance benefits, don’t hesitate to ask a dental office for help!
How Can You Save Money If You Aren’t Insured?
Unfortunately, there are millions of Americans without dental insurance who still need high-quality dental work. A great way to make it affordable is to find an office that offers a savings plan.
How do they work? It’s easy – after signing up, you pay a low, one-time annual fee and can schedule an appointment immediately to start saving. Typically, preventive care such as cleanings, X-rays and fluoride treatments are free, and you’ll get a discount on restorative procedures such as fillings and dental crowns.
The idea is that, with regular preventive care, you’ll minimize the amount of major dental work you need. This is a win-win situation because it saves you both time and money in the dental chair.
And the best part is that savings plans are so much simpler than dental insurance. It’s a hassle-free way to get the care you and your family need – without breaking the bank!
About the Author
Dr. Richard Bradshaw is a general, restorative and cosmetic dentist in Medford who knows that finances are often one of his patients’ top concerns. That’s why he’s proud to offer a savings plan that makes dental care accessible to everyone. If you have any other questions or would like to schedule an appointment, you can contact him via his website.