HSA, dental insurance and benefits

The end of the year rush filling your calendar has begun.  We recommend you give yourself the gift of good oral health and ring in the new year with a great smile. Many people have realized they haven’t used their dental insurance from their employer to maximize their benefit.  Others haven’t used any of their dental insurance.  Is this you?  And, can we still see you?  We are saving space for new patients to enter our practice. Research by the National Association of Dental Plans, only 2.8% of people with PPO dental plan participants reached or exceeded their plans annual maximum.   That leaves a lot of money that the dental insurance company get to keep and is a waste for you.  Dental insurance companies count on making millions of dollars off of patients who never use their insurance benefits because many of these plans provide coverage up to a certain dollar amount annually.  We know insurance companies do not encourage customers to use benefits, and most patients are too busy to sift through their policies to determine what might remain on them.

We can explain how your insurance works once we gather the specifics.  Dental insurance almost always has a maximum benefit per year.  It doesn’t cover everything you need, but acts more like a coupon.  For instance, many plans cover two cleanings and exams per year and is covered at 100%.  The least expensive dentistry is always preventative.  Every plan is different so we call to verify specifics.  Pre-tax dollars in the form of an HSA or FSA card can be used to pay for treatment and to purchase electric toothbrushes and Waterpik flossers.


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