If you have recommended dental treatment at Gendler Dental Center and you have dental insurance benefits, or a health/flex savings account, now is the perfect time to reserve your appointment to maximize any benefits that may not be available in 2020!
Dental insurance benefits expire at the end of the year, you have already paid for your plan, has your dental insurance company paid out the annual maximum for services? Patient coordinators at Gendler Dental Center can get creative with treatment planning in order to maximize your benefits, making sure you pay less out of pocket! This is the perfect time for dental treatment that requires multiple steps, as it will likely cross over into the new year and there is still some flexibility in scheduling and availability for appointments.
Also, many plans have flex spending accounts (FSA), health savings accounts (HAS), health flex cards, etc. There is a wide variety of these types of benefits, some can roll-over, some do not, some only roll-over a portion. They also vary as to when they can be used, some end with the year, some offer a grace period of a few weeks to a few months after the new year. The terms may be different but the good news is they all can be used towards dental treatment!
If you have been considering third party financing and credit options, many incentives are typically found with Credit Union or Personal Bank Loans, Retirement Plan Loan and Home Equity Line of Credit rates can be negotiated lower around this time. Patients often find that if they can not qualify for the amounts or rates immediately, being in good standing for the last months of the year puts them in an ideal scenario to raise a limit or negotiate a better rate at the start of the following year.
This means that you can begin treatment conveniently and more affordably in 2019 and finish in 2020 more affordably without affecting your prescribed treatment plan. Call or text Gendler Dental Center today to set up an appointment to plan your treatment maximizing benefits, making dental treatment more affordable! (952) 836-1113