Use It or Lose It! Maximizing Your Dental Benefits Before the End of the Year

Did you know your dental benefits reset every year? It’s true. If your dental insurance plan, like most is on a calendar year, you will lose out on all unused benefits after December 31st.

That means this is a great time of year to take advantage of everything your dental insurance provides, especially if you have outstanding treatments. Here are just a few of the services you want to use before you lose the opportunity.

Routine Checkups

Many dental insurance plans provide coverage for two checkups a year at six-month intervals. So, if you haven’t had a cleaning in the last six months, now is an excellent time to schedule an appointment with your Forney dentist.

Getting a regular checkup ensures your teeth and gums are in tip top shape, and gives your dentist a chance to review your oral health to make sure problems aren’t developing. Plus, you’ll get to enjoy a professionally cleaned and polished smile, which can have you leaving the office feeling like a more radiant, confident you.

Large Treatments

If you need more extensive dental treatments involving multiple visits, the end of the year is the perfect time to get started. This is especially true if you’ve already met your deductible and haven’t hit your annual maximum. Once your deductible is paid, your out-of-pocket expenses can decrease dramatically, making it an ideal situation for larger dental treatments.

If you’re getting close to your annual maximum, your Forney dentist can help create a plan to maximize your benefits by splitting your treatment between this year and next, allowing you to use the benefits you have remaining this year and take advantage of your renewed benefits after the new year.

This approach can help minimize out-of-pocket expenses by using your coverage in an optimal way. And, if you need more assistance with making the costs manageable, we offer financing options like Care Credit that can give you the opportunity to spread out-of-pocket costs over a time period that is manageable for you, sometimes without any interest charges.

After your dentist has reviewed your situation and developed a treatment plan, we can come up with a financial arrangement that allows you to maximize your dental insurance benefits, and achieve optimal oral health and the beautiful smile of your dreams.

Don’t let your 2017 dental benefits go to waste by making sure you use them before December 31. Schedule an appointment with your Forney dentist today to get started.

Looking for a New Dentist in Forney? Here’s How to Find the One that is Right for You

Forney, like most cities, has a great selection of dentists that could work for you and your family. There’s more to choosing a dentist than simply selecting one out of the available listings and scheduling an appointment. You want to make sure that in addition to having a qualified dentist, you’ve chosen a dentist that meets all of your needs.

Before you settle on the first dentist you find, here are some tips for evaluating dentists in your city so that you can choose the best option for your family.

Consider Convenience

When it comes to selecting a dentist in  Forney, location needs to be a factor. Certain parts of the city are more convenient than others depending on where you live, where you work and where your children go to school.

No one wants to have to leave work early, race over to pick up their kids, then rush across town hoping to make it to their appointment in time. Instead, see which dental offices are located along common routes you’re already taking on a daily basis. So even if you are pressed for time, making it to the dentist doesn’t have to be a bigger challenge than necessary.

Also, you’ll want to check to see what appointment times are offered by each dentist. What days of the week are they open and how early or late does the office offer appointments? Since you’ll be scheduling your dental appointments in addition to your normal busy schedule, it will be important to choose a dentist who can offer appointment times that are convenient.

Review Your Insurance

Every dental insurance program covers a different network of professionals. Some dentists in  Forney may be part of one network, but not another. Be sure to check that the dentist you choose is an in-network provider so you can take advantage of your dental insurance benefits.

While many insurance policies cover work by out-of-network dentists, you won’t get the same level of coverage or billing convenience as you would with an in-network dentist. This means if you choose an out-of-network provider, you will be on the hook for more of the costs than you would with an in-network provider.

At Forney Wellness, we also offer an in-house dental discount plan that can help you lower your out-of-pocket costs for dental procedures. The plan is called Priority Dental Plan, and can be a great substitute for those patients without dental insurance or paying out of pocket.

Financing Options

Even if you have dental insurance, you’ll likely have co-pays and will need to cover part of the cost of certain procedures – especially larger restorative or cosmetic care like bridges or implants. Some offices in  Forney, like Forney Wellness, offer financing options to their patients to make your portion of the expenses more manageable. Often, these programs allow you to divide up the cost of a procedure into smaller payments, making it easier to get the high-quality treatment you deserve without having to pay a large bill upfront.

Make sure you ask all of the right questions so you can be confident you’ve chosen a dentist that offers the services you need to keep you and your family healthy. Review the provider’s website for additional information about the office and schedule an appointment time that works for you. In the end, you’ll be glad you took the time to review your options.

Ask Your Forney Dentist: Tax Returns & Your Dental Health

It is tax season! Completing your taxes is not necessarily a fun task. Those eligible for a tax return have an extra monetary incentive to get their taxes completed on time. Tuesday, April 18th is quickly approaching. And don’t stress, there are many online resources now to make filing your taxes easier than ever! Here are a few we found:

If you are eligible for a tax refund, thinking through the possibilities of what to spend that extra boost of cash on can be exciting! Do you have plans for your refund?

Here are some of the top things people use their tax refund on:

  • Paying down debt
  • Vacation
  • Shopping spree
  • Saving and investing

What about investing that refund in yourself for improved health and confidence? Have you been putting off an important larger treatment or dental procedure? Have you thought about potentially exploring a cosmetic smile investment like Invisalign®, braces or veneers? March or April could be the time to start! Here are some dental treatments that could be a great use of your tax refund:

Not only will you experience a boost in confidence and feel good about investing in your happiness and health, treatment can be made affordable for you and your family. Your tax refund combined with dental insurance benefits and/or the financing options available at our practice can make the treatment you’ve been delaying more affordable than ever.

If you’ve been hesitant to ask about improving your smile or have delayed treatment that could significantly improve your dental health due to concerns with payment and financing, use your tax refund and invest in yourself! You can join our other happy patients in Forney smiling with confidence. Visit the dentists at Forney Wellness or give us a call should you have any questions.

Insurance Benefits Have Renewed – Are You Making Your Dental Health a Priority This Year?

A new year marks a new, fresh beginning for many people. This is the time to make resolutions that may include getting your mouth and smile to a healthy and beautiful state! Dental Insurance benefits from your employer can be a huge help in making sure you receive the best care for your mouth and smile. Plus many dental insurance plans that are on a calendar year cycle have renewed benefits as of January 1st.

At Forney Wellness in Forney, we know that understanding your dental insurance benefits can be confusing. Working with insurance companies is our expertise! We want to help you make sure you are maximizing the benefits you receive from your dental insurance plan and assist you in making your dental health a priority this year. The following are a few tips to help you maximize your dental insurance benefits.

Stay In-Network

Visiting a dentist that is an in-network provider will save you on your out-of-pocket costs and also will keep you from having to file claims yourself. In-network providers will work directly with your insurance company to seek payment for services performed. Sometimes it can be difficult to understand if a dentist is in-network or out-of-network.

First look at your plan, is it an HMO plan (Health Maintenance Organization) or a PPO plan (Preferred Provider Organization)? Call a few dentists in your area and ask them if they are an in-network provider with your insurance company and plan type.

Here at Forney Wellness in Forney we are an in-network provider for most dental PPO insurance plans, including:

  • Delta Dental
  • Metlife
  • Dental Network of America/Blue Cross Blue Shield
  • Cigna
  • Aetna
  • Humana
  • United Concordia
  • Guardian
  • DHA/Assurant

Call us with your insurance information and we can let you know if we are an in-network provider for your plan specifically.

Utilize All of Your Benefits for Preventative or Diagnostic Dental Services

Most dental insurance plans fully cover or cover at a very low patient cost a standard dental cleaning twice per year, periodic bitewing x-rays and full-mouth x-rays every five years. When you are utilizing those preventative benefits you ensure that any potential oral health problems are caught early. Catching a problem early can significantly lower the cost of treating a problem before it worsens or turns into something more serious ensuring your dental care is more affordable in the long-run.

Our dentists at Forney Wellness in Forney use our time with each patient at preventative exams and utilize patients’ regular diagnostic x-rays to ensure that problems are caught and handled early to ensure patients stay healthy for years to come!

Use your Insurance Online Tools and Resources

Most Insurance companies have a host of online tools and resources that you can utilize to help understand your benefits, view your provider options or ask questions about your plan. If you are unsure where to look, let us know! We may be familiar with your online Insurance portal and be able to point you in the right direction.

The Forney Wellness team are experts at ensuring you are making the most of your dental insurance to the benefit of your dental health and overall well being. Call or visit our dental office in Forney and we would be happy to help you understand your benefits or answer any other dental-related questions you might have.

No Insurance? No Problem! We offer an in-office dental plan called Priority Dental Plan. Visit their website or call our office to learn more about the benefits of Priority Dental Plan and how it can help you with your dental care this year.