Flexible spending accounts seem like a great benefit. You can put money aside, tax-free to help you pay for healthcare costs. Unfortunately, if not done right, a flexible spending account can end up costing you, because if you don’t spend it by the end of the year, the money’s gone.
This year, don’t let that money be lost–we can help you get a good value from your flex dollars this year.
Avoid the Shortcomings of Dental Insurance
If you have dental insurance, you’ve probably run into the problem where it doesn’t cover as much of your treatment costs as you would like. Other times, it makes you choose between getting quality care and getting the care that’s covered. For example, some dental insurance will only cover the cost of metal amalgam fillings, but tooth-colored fillings, including inlays and onlays just aren’t fully covered.
You might run into the same problem with dental crowns, where only a metal or porcelain-fused to metal crown is covered, but not a full ceramic crown or a CEREC same-day dental crown. Your flex dollars, though, can be used to cover the difference, so you get a highly attractive and highly functional dental crown for less.Braces are another treatment that dental insurance only covers a portion of. Using your flex dollars to make up the difference can save you a lot of money. We can often break up payments in a way that maximizes the advantage of your flex account over the entire length of treatment.
And then there are services that aren’t covered at all by most insurance plans, like dental implants. These services qualify for payment with your flex account, and we can also usually schedule payments to maximize the advantage from your flex account.
What about Cosmetic Dentistry?
One thing you can’t use flex spending for, though, is cosmetic dentistry. Teeth whitening and porcelain veneers are not allowable expenses. But there are ways you can get cosmetic benefit from your flex account. Braces, for example, and fully ceramic crowns. Even an extra cleaning, not covered by your insurance, can help your teeth look whiter and more attractive–and may be recommended if you have dental implants.