Open enrollment time is almost here – that special time of year when employees get to pick their medical and dental coverage in an attempt to maximize their benefits and get the most out of their hard-earned money. No matter what you do for a living, it is important to look at your current benefits carefully before you decide on the right type of coverage for the coming year. In many cases, you may have additional coverage available and benefits you have not yet used.
One of the best ways to make the most of your current benefits is to sit down with your dentist and talk about what you have available and how you can make the most of it. If you have been putting off the dental work you need, the end of the year could be the perfect time to get it done. Keep in mind that many employer-sponsored benefits, most notably flexible spending accounts, expire at the end of the calendar year. That means if you do not use them, you could end up losing the benefits you worked so hard for all year long.
The subject of healthcare benefits in general, and dental coverage in particular, can be extremely complicated and difficult to understand. That is why it is so important to do your homework and talk with your provider long before the current calendar year comes to an end. If you wait too long, you may not be able to schedule the dental work you need and get it paid for before your current employee benefits expire.
You work hard for your money, and the benefits you earn are an integral part of your overall compensation package. Your employer pays you a salary, hopefully a fair one, but the company also pays for your medical, healthcare and dental care costs in a variety of different ways.
As the employee, it is up to you to make the most of the benefits you do receive. Whether you need basic dental care and an annual cleaning or are looking at complicated bridge work or a new set of dentures, it is important to know exactly what your company-sponsored benefits cover and what portion you are responsible for. Once you have that information, you will be able to make the most of your employer benefits this year and make wise choices for next year when open enrollment season rolls around.