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Q: How does end-of -year dental insurance work with flex/health savings accounts?

Posted November 20, 2013 in Advice Column, Grimes

A: This time of the year is a great time to visit the dentist and begin or complete needed dental work. The main reason is the calendar year set up by the employer and dental insurance company. Most insurance companies renew benefits Jan. 1.

So, if a person is in need of restorative or major work, using the months of December and January to maximize benefits truly helps a person’s out-of-pocket expense. And with the economy we face today, saving money is a necessity.

In conjunction, most flex or health savings accounts renew Jan. 1 with the strict rule of “use it or lose it.” By using your maximum allowed dental insurance benefits and flex/health savings account, patients will truly benefit with the cost savings. And when you are saving money, it is always fun to come to the dentist.

Information provided by Grove & Platt Dental Associates, PLC, 1541 S. Third St., Suite 300, 986-4001 and the American Dental Association.

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