Flexible Spending: Your Dental Connection!

Flexible benefits provide eligible employees the right to allocate salary dollars - pretax - towards payment of family health and dental insurance premiums, as well as out-of-pocket medical, dental, vision care and child care expenses. Pre-tax dollars are the real deal! Depending on your tax bracket, you can save up to 40 cents of each pre-tax dollar by not paying Federal, State and Social Security taxes.  This translates into real money in your pocket.  You can save on many approved dental expenses!

Many employers set up Flex plans and dental insurance plan options, so make sure to plan accordingly.  If you need some big dental treatments, setting aside a larger amount can help to cover the dental procedures.  Also, it is always a good idea to choose PPO dental insurance plans that allow you to receive better care.  DMO plans will usually send you to a clinic-based office that can limit the amount of individual time you can spend with the doctor due to the high volume of patients that must be seen.  At Thomas Family Dentistry here in Broken Arrow, each patient has their own individual appointment time in order to give you the best care and time you need.

Call us at 918-455-0123 to ask any questions that you may have about how to use your benefits with our office, set them up with your employer, or how to get re-imbursement from your flex account.  Remember that if you do not use your benefits by the end of each year, you lose them.  Although November is the month that most employers set up the Flex plans and select the next year's dental insurance plans, if you do not use the money in your flexible spending account, you are giving the government free money that you have set aside for yourself!  Also, dental insurance benefits usually start over every year.  If you do not use your dental insurance benefits during the calendar year, you are allowing the dental insurance company to collect your premiums without ever providing you with any dental benefit coverage!

Remember that planning is the key to your dental success.  Keep Smiling!

God Bless,
DRT