The end of the year is fast approaching and just as quickly as the days are flying off the calendar, your insurance benefits could be going up in smoke.

So, ‘tis the season to use it or lose it. With most insurance plans, paid for benefits do not carry over from year to year. Not to mention, it would be best to have a dental checkup before the holidays get into full swing.

Typically, with all insurance policies the fees associated with them will rise each year. By taking advantage of your locked-in fee for this calendar year, you will end up saving yourself some money this holiday season.

Additionally, due to the fact that the year is coming to a close, odds are you have substantially paid down your insurance deductible. By paying for treatment this year, it will be much cheaper than waiting for the new year to start by having to pay down a fresh deductible.

Additionally, if your insurance policy operates on paid monthly premiums, why not take advantage of something you’ve already paid for by having some preventative care done or finish a procedure that’s been in the works for too long?  It just makes sense to set aside a few hours of your day and use what you’ve already paid for.

In the long run it will save you time by preventing further issues, save you money because your deductible will be lower, and potentially save you some serious physical agony in the year ahead.

If you have any questions about insurance benefits or how best to use them prior to the year end, contact Dr. Frost today at 314-720-1806 to discuss or to schedule your appointment.

From all of us at Frost Orthodontics, we’d like to wish you a happy and healthy new year!

Will your kids’ braces be covered if you sign up for Obamacare?

This question was recently asked to NPR by a 15 year-old as part of an ongoing effort to clarify questions relating to the changes that will happen under Obamacare. Just like any aspect of insurance, the changes resulting from the passage of the Affordable Care Act (Obamacare) are complicated and difficult to approach.

It seems as though there is little change under Obamacare regarding braces. Most dental insurance plans will only cover braces if it affects the patient’s health. For example, if a patient has trouble chewing or if crowded teeth are having a harmful effect on their health, then insurance will be more likely to cover the cost of braces. If the patient simply wants their teeth to look better, however, then insurance will most likely not cover the cost.

That said, pediatric dental coverage is a required coverage area under Obamacare. So if you or your parents are eligible for new or expanded health insurance under the new law, you will be able to get dental care. And if you need braces for health reasons, chances are your insurance plan will cover part of the cost of braces.

As with anything, the best thing to do is shop around to find which insurance suits you best. There is some flexibility offered by Obamacare, so you should be able to compare many different kinds of plans from several different insurance carriers.

The first thing to do when considering braces or another kind of orthodontic treatment is to call for a free consultation. After evaluating your needs, we can answer all of your insurance questions and see whether the cost of braces will be covered, and if so, how much. You have nothing to lose by asking!

Contact Dr. Frost online or call (314) 567-1888 to schedule a free consultation.

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