A little pre-planning can save you on dental costs later.
Dental ailments can sometimes feel like they have come out of nowhere. And, if you need a dental restoration, it can be a pretty significant expense. This doesn’t mean that all dental treatments are expensive, but it is essential to be prepared for future dental treatments should you need them. Planning ahead can ensure that you are ready for any dental emergency. And, it can protect not only your oral health but also your peace of mind and smile. So how exactly can you plan ahead for future dental treatment costs?
Start by focusing on dental prevention.
The best way to keep your future dental treatment costs low is to practice good oral hygiene. The truth is that routine dental care is a necessary part of life, just like getting your shots and other essential health upkeep. So, be sure to follow these five steps to take good care of your teeth and gums each and every day.
- Keep plaque away by brushing twice a day (especially after meals).
- Tooth brushing alone won’t cut it, so be sure to floss once a day too.
- After brushing and flossing, rinse your mouth with a fluoridated mouthwash.
- Cut out unnecessary sugars and starches from your diet.
- Visit the Duvall Family Dental Center once every six months for a cleaning and dental examination.
Understand your dental insurance plan.
If you are employed full-time, there is a good chance that your employer offers dental coverage. Unfortunately, these plans usually only cover preventative procedures such as cleanings, fillings, and the placement of dental crowns. That said, taking advantage of dental insurance through your employer will save you money on preventative care. And as with many things, good prevention is half the battle.
Consider a dental retirement plan.
If retirement is nearing or you’re trying to think ahead, another option is to put together a dental retirement plan. With no dental insurance during your retirement, you’ll have to pay out of pocket for any needed dental work. When time is on your side, start talking to your dentist about the procedures you should have done ahead of your retirement. For example, 10 years before retirement, you might want to take care of any needed dental crowns, root canals, or tooth-colored composite fillings. Five years out, start looking into private dental insurance, upgrading to a Medicare Advantage plan, or joining a membership program such as one of the dental member benefits plans listed below.
Find a dentist that offers a membership program.
If you don’t have insurance through your employer or Medicare Advantage, then a membership program directly through your family dentist might help. At Duvall Dental Center, we offer three different in-house dental member benefits plans to make your dental treatments more affordable.
- The adult membership plan is designed to help you maintain and afford the dental care you need for a healthy smile. The program covers one year and includes comprehensive exams and two preventative visits. The plan also provides the benefit of discounts for general care needs discovered during a regular dental visit.
- The periodontal therapy plan goes above and beyond the adult membership plan by including two periodontal therapies. If you have gum disease or periodontitis, this might be the plan for you.
- The child membership plan offers all of the same services and preventative benefits as the adult membership plan but is geared towards children.
Set money aside each month in a health-care spending account.
Many employers offer what is referred to as an HSA or health-care spending account. These accounts function much like personal savings accounts. The difference, however, is that with an HSA, the money in the account is reserved for paying for health care expenses.
You own and control the money in your HSA and can use it to pay for eligible health, dental, and vision expenses for you, your spouse, or eligible dependents. And HSAs have an incremental benefit as the money you deposit into the account is not taxed. So, if you think you might have a significant dental expense coming up, pocketing money away in an HSA is a great idea.
Let the Duvall Dental Center help you plan ahead for your dental treatment costs.
If you believe you will need a dental treatment soon, whether it be one of our five most popular dental procedures or something more extensive, the team at Duvall Dental Center can help. Dr. Tyler will work with you to help you understand the treatments you need and the cost of each one. The extended Duvall Dental Center team can further explain the member benefits plans to help make these procedures as affordable as possible.
Request an appointment using our easy-to-use online form or give our office a call. We look forward to meeting with you and helping you plan ahead for dental treatment costs.