What resolutions did you make to yourself this year? Is it time for a whiter smile? Straighter teeth? Do you have a missing tooth that desperately needs replacing?
For many people, a new year is a time of reinvention and a new opportunity to make changes for the better. It’s also a time when flexible spending accounts (FSAs) across the country are full for another year of healthcare spending. With a flush FSA, you may be considering making a bigger change such as veneers or a dental implant. But can you pay for cosmetic dentistry options with your FSA?
Fort Worth dentist Dr. Nikki Green is happy to discuss your insurance and your budget with you as well as your dental needs and goals to find a solution that works. Understanding your FSA and the limitations that exist is the first step.
What Is an FSA?
An FSA, or flexible spending account, is a specific type of benefit offered by some employers as part of their overall insurance benefits package. When you choose to sign up for an FSA, an account is created specifically for healthcare spending with the amount you’ve requested, up to $2500. The funding for the account is then deducted from your paycheck throughout the year.
One of the primary benefits of an FSA is that instead of paying for your healthcare costs from your post-taxes paycheck, the deducted amount is taken out before taxes are calculated, reducing the amount of taxes you will owe.
Some FSAs require you to pay for your healthcare expenses out of pocket and then send your receipts to the insurance company for reimbursement, but today, most FSAs provide you with a card – similar to a debit or credit card – already loaded with the year’s healthcare monies. This card is accepted everywhere credit cards are accepted to pay for expenses approved by your insurance company – including Fort Worth Cosmetic and Family Dentistry!
Can I Use My FSA to Pay for Cosmetic Dentistry?
Your FSA will cover the dental services that are authorized by your insurance plan. The best way to find out for sure which services are covered is to call your insurance company. If you are unsure or need assistance, don’t hesitate to call our Fort Worth dental office. A member of our friendly front desk team will be happy to check with your insurance and help you maximize your benefits.
In most cases, dental insurance will not pay for procedures that are purely cosmetic in nature, such as teeth whitening and porcelain veneers. If you are looking to have of these procedures, don’t despair! Dr. Green accepts a number of payment and financing options, including CareCredit and Springstone Financial. We are happy to discuss these options with you to help you find one that will work with your budget.
If you are looking for a procedure that will improve both the appearance and the function of your smile, such as a porcelain crown, composite bonding, orthodontics, and replacements for missing teeth like dental bridges and, in some cases, dental implants, your FSA may pay for these services.
To make the most of your FSA and finally make the changes to your smile that you’ve been dreaming of, call Fort Worth Cosmetic and Family Dental today and schedule your consultation with Dr. Nikki Green.
This is your year! You deserve to look your best and feel great.