The end of 2021 is quickly approaching, which means if you want to get the most out of your dental insurance benefits, it’s time to talk to your dentist about Invisalign. Straightening your teeth with this invisible solution is a great way to improve your oral health without compromising your professional appearance. But if you want to reap the advantages that come with your dental plan, here are three reasons you won’t want to wait until 2022 to get started.
Your Benefits Expire
If you have orthodontic coverage as part of your dental insurance plan, it will expire at the end of 2021. While you can expect it to renew at the start of 2022, it is a waste to let these benefits go unused, especially since you’re already paying a monthly premium for access to them. This is one of the unfortunate realities of dental insurance, as most policies are only good for a single calendar year. By getting in to see your dentist now, you can get started on treatment and pay less if you’ve already met your deductible. Otherwise, you’ll be forced to meet this designed amount again before your insurance will agree to step in and pay their share next year.
You Can Take Advantage of Your Annual Maximum This Year and Next
Since it is close to the end of the year, you may be creeping closer to your annual maximum than you realize. Should this be the case, your dentist may be able to split up the cost of your treatment across calendar years. Why is this beneficial? Because it will allow you to use the full annual maximum for 2021 as well as the allotted amount for 2022. This can ensure greater out-of-pocket savings, and you won’t need to worry about losing valuable money that is often returned to the insurance company at the end of the year.
Your Flexible Spending Account (FSA) Doesn’t Rollover
If your workplace provides an FSA, it’s in your best interest to use it before the end of the year to start your Invisalign treatment. Unlike a Health Savings Account (HSA) that allows for your funds to roll over, FSA money can only be used in 12 months. This means, if you don’t use it, you lose it. Because FSA funds are yours to spend on improving your oral health, it is a prime opportunity to pay for at least part of your Invisalign treatment, thus, minimizing your out-of-pocket expenses.
When it comes to straightening your smile, don’t wait to start fresh in 2022. Get started now while you still have time to take advantage of your incredible dental benefits. Once you discover the amount of money you will save, you’ll wonder why you didn’t do it sooner.
About the Author
Dr. Jack Markusen frequently hears the question, “Does dental insurance cover Invisalign?” He and his team are always ready to help you identify ways to lower your out-of-pocket expenses and will work with your insurance on your behalf. Because many companies do provide some level of coverage for orthodontics, you can count on us to file any necessary claims and help you get the most out of your plan before your benefits expire at the end of the year. If you no longer want to wait to start Invisalign treatment, visit our website or call (843) 916-0990.