How to Get the Most Out of Your Year-End Dental Benefits
Dental insurance is a benefit offered by many employers as part of your benefits package. If you’re self-employed you may purchase your own. Insurance typically works on a yearly calendar where benefits begin on a certain date and either end or are renewed on a certain date. Features such as deductibles, flex spending accounts, and out of pocket maximums all work on a yearly basis.
Most insurance plans begin in January and end in December. This means that all of the aspects of your insurance plan that are calculated on a yearly basis will reach the year end on December 31. While health savings accounts (HSA) roll over to the next year, most other benefits don’t. If you want to take full advantage of your dental insurance benefits, here are some things to consider.
Confirm Your Plan Renewal Date
If you want to get the most out of your dental benefits, the best place to start is to find out exactly when your plan ends and renews. Most plans follow the typical calendar year, meaning they end on December 31 and renew January 1. However, some insurance plans operate on a different schedule, so be sure to check with your insurance provider to determine the final date of the current plan year.
Get to Know Your Benefits
Your insurance provider should have provided you with a benefits guide that fully explains every aspect of your plan. You may have received an actual paper copy, a digital copy, or a link to a benefits guide online. Review this guide to get a complete understanding of your dental benefits so that you can take full advantage of them.
Check on Your Yearly Deductible
Most dental insurance plans have a yearly deductible that must be met before insurance begins paying for services. Find out the amount of your yearly deductible and how much of the deductible has been met. You can get this information by contacting your insurance provider, accessing your account online, or reviewing your most recent explanation of benefits you may have received in the mail. If you’ve already met your deductible for the year, any additional dental services you receive may be fully covered.
Find Out Your Annual Maximum
The annual maximum is the total amount your insurance plan will pay toward dental services for the year. Find out what this number is and how much your provider has paid toward this amount. If you need a dental procedure, it may be a good idea to get it done now if you still have a sufficient amount of your annual maximum left. If not, you may want to wait until the new year when your plan renews.
Use Your Flex Spending Account
If your plan includes a flex spending account (FSA), the funds will most likely not roll over to the next year. Whatever you don’t use before the end of the calendar year will be lost. Flex spending accounts, as their name suggests, are somewhat flexible about what you can use the funds for. FSA funds can be used for a variety of dental services, even elective procedures in many cases. You may be able to purchase dental products such as denture cleaners and adhesives and toothache relievers with your FSA account.
Take Full Advantage of Your Benefits
If your plan covers dental cleanings, be sure to use that benefit each year. Most plans include two cleanings per year, 6 months apart. In most cases these appointments are fully covered with no out of pocket expenses. Now may be the best time to get other dental services such as fillings, root canals, or crowns when you can make the most of your dental insurance coverage.
Use Your Benefits to the Fullest With the Ricco Dental Group
You most likely pay a premium each month that comes out of your paycheck toward dental insurance. If you don’t use the benefits, those funds have gone to waste. The Ricco Dental Group can help you take full advantage of your dental benefits. If you’re due for a dental cleaning and exam, schedule now as appointments are filling up fast. Don’t let your dental insurance benefits go unused this year.
Call 516-931-3999 or contact us today to schedule an appointment.
How to Choose the Best Dentist for Your Family in Nassau County
It’s important to choose the perfect family dentist for your family’s needs, but it can be hard to figure out where to start looking or what you should consider when choosing a family dental practice in Nassau County. Family dentistry is highly personalized, and each dentist has different specialties and focuses on different aspects of dental care. To ensure that you and your family are receiving the most personalized and effective dental care possible, here’s what you need to know.
Factors to Consider When Looking For A Family Dentist
When looking for a good family dentist in Nassau County, there are a few important items you’ll want to focus on. One of the most important things to consider is your family’s unique needs. If you have children, you’ll want to find a dentist that has a lot of experience in pediatric dentistry. You should consider location when choosing a family dentist, and whether or not they take your insurance plan.
The most important thing is that you find a dentist who is well-qualified and experienced in the various aspects of family dentistry. Most Nassau County dental practices’ websites will give you more information on their dentists. Experience is especially key with restorative dentistry, which involves services like root canal therapy, fillings, crowns, and implants.
Office Atmosphere and Technology
Walking into a dentist's office can be intimidating, especially if you are nervous about a procedure or dental work in general. The best family dental offices are not only equipped with the latest dental technology including lasers, digital imaging, and intra-oral cameras, but also provide a welcoming and family-friendly atmosphere.
Communication & Satisfaction With Staff
The most important thing you need to do when choosing a family dentist is to find one that you are comfortable with and has staff who will communicate well with you. The staff should be willing to answer any questions you have and explain any treatments you might need.
One of the easiest ways to help yourself and your family keep up with your dental health is by choosing a practice that is close to home and convenient for the whole family. The Ricco Dental Group is conveniently located in Plainview, NY at 709 S Oyster Bay Road, and serves patients throughout Jericho, Hicksville, Muttontown, Syosset, Bethpage, and Old Bethpage.
Cost And Insurance Policies
When looking for a family dentist in Nassau County, you’ll want to make sure the ones you are considering take your insurance plan if you have one. Otherwise, many practices offer payment plans for those who are interested.
Lastly, one of the best ways you can find a dental practice for the whole family is to see what other patients think. A practice’s reviews can give you a better idea of patient experiences so you can make an informed decision for your family.
Family Dentist In Nassau County, NY
The Ricco Dental Group is a full-service dental practice that provides family dentistry services as well as general, cosmetic, and restorative dentistry. To make an appointment, contact us today by calling 516-931-3999 or request an appointment online.
How Often Should You Get a Dental Cleaning?
Most Americans don’t get dental cleanings as often as they should, which could lead to serious problems down the line. According to survey data, only about one-third of Americans make it to the dentist the recommended two times per year. In order to keep your teeth and gums healthy, it’s advisable to have regular dental cleanings with your dentist or hygienist. Here are some things to consider when deciding how often to schedule cleanings with your dentist.
What Happens During A Dental Cleaning?
During your dental cleaning, your hygienist will remove any plaque or tartar that has built up on your teeth. They'll also give you an X-ray to make sure there aren't any hidden problems or concerns. If they find anything, they'll let you know and discuss the best course of action for treatment. Finally, after the exam is finished, they'll teach you how to brush and floss properly and check in with you about how often to come back for cleanings.
The Risks of Not Getting Regular Cleanings
If you have not had regular dental checkups, then there are some risks that you may be unaware of. It is important to know that the state of your teeth can affect your overall health.
Dental plaque is what causes cavities, gum disease, and tooth decay. If left untreated for an extended period of time, these issues can cause problems in other parts of the body and could lead to diabetes and heart disease.
Why Are Dental Cleanings Important?
Dental cleanings are an important part of maintaining good oral health. They remove plaque and tartar buildup, prevent tooth decay, and detect oral cancer. The frequency of dental cleanings will vary depending on your individual needs and medical history. Some people with sensitive teeth may need to go more often than every six months if they are prone to cavities. Others may only need a checkup once or twice per year.
How Long Should You Go Between Dental Cleanings?
The ideal time between cleanings is six months. When teeth are not cleaned for too long, plaque and tartar can form on the teeth, which can lead to tooth decay and other problems that can be detrimental to your oral health.
Does Dental Insurance Cover Dental Cleanings?
Dental insurance varies from provider to provider. The best way to find out if your plan covers cleanings is to ask the person who handles your benefits for the company if your insurance is employer-provided. If your employer doesn’t offer dental coverage, some plans cover one to two cleanings each year. However many dental cleanings your insurance covers, make sure to take advantage of the benefits you pay for by seeing your dentist once or twice a year.
Are You Due For A Dental Cleaning?
The Ricco Dental Group is a full-service dental clinic located in Plainview, New York that provides a range of general dentistry services. To make an appointment for a dental cleaning, call 516-931-3999 or request an appointment online.
Why General Dentistry is Important
General dentistry is sometimes referred to as preventative dentistry. And that, in a nutshell, is why general dental care is important. It’s the part of dentistry that includes routine dental examinations and cleanings, makes sure your mouth is looking healthy, and finds any small oral health issues before they become larger problems, and corrects them.
Afterall, caring for your teeth means caring for your health, not just your dental health but your entire body. Routine care now benefits you not just in the present, but in the future as well.
General Dentistry Areas of Care
From routine dental care, including professional cleanings, dental examinations, x-rays, and polishing, to handling issues such as including cavities, tooth decay, infection, cracked teeth, and gum health, general dentistry covers each of these areas, and encourages a good oral hygiene routine to help you keep teeth healthy at home.
Our general dentistry practice includes:
- Dental examinations and professional cleanings
- Polishing teeth
- Scaling teeth to remove more severe plaque build-up
- ViziLite for oral cancer screenings, and the detection of any tissue abnormalities
- Fillings, sealants, and bonding for teeth
And if needed:
- Root Canal treatment
Maintaining and improving your oral health is what general dentistry is all about.
General Dentistry is Important
As you can tell, focusing on the little things, such as regular cleanings and exams, is important. A thorough exam can point out any issues such as early stage gum disease, so we can quickly and effectively address them before they become much larger problems. A single filling made now could prevent the need for a root canal or even a tooth extraction down the line. Placing a crown on a tooth that has a small crack can prevent tooth loss.
You get the idea. By caring for your teeth routinely, and watching for any small issues now, you can prevent pain, discomfort, and larger issues down the line, allowing you to keep healthy teeth for the rest of your life. And, keeping your dental health strong also means keeping your whole body healthy. Gum disease, for example, can affect your whole body. Your gums serve as a barrier to prevent overall bodily inflammation, with gum disease linked to health issues including diabetes, heart disease, stroke, and more. Catching any tissue abnormalities early can mean the difference between a simple treatment and a painful, complex treatment for oral cancer in the future.
Frequent treatments identify any threats to your health, and also have a positive effect on your budget, mitigating the need for far more costly future treatment due to neglect.
And finally, regular general dental care also provides cosmetic benefits that enhance your smile with a brighter, healthier appearance that makes you both look and feel your very best: from just receiving a routine exam and cleaning twice a year or as recommended by your dental team.
Are You Ready to Learn More About General Dentistry?
If you’re ready to learn more about general dentistry and how it can help your dental and overall health, reach out to us today! We’re here to help!