Great Smiles of NJ - November 2019




products. The list of covered products and services is commonly referred to as "eligible expenses," which confuses a lot of people. It's important to note that cosmetic services, like whitening, veneers, or cosmetic braces, are not covered under most FSAs, but there is a wide variety of services that are covered. To make the most out of your FSA before the year’s end, call us to discuss any procedures that need to be completed. Some of the dental perks included in FSAs are teeth cleanings, fillings, sealants, crowns, bonding, dentures, tooth extraction, and treatments for gingivitis and gum recession. The best part of an FSA, though, is the coverage of all oral surgeries and preventive services. treatments. If you’re not familiar, the TMJ acts like a hinge connecting your jaw bone to your skull. TMJ disorder, or TMD, is caused when the TMJ starts to dysfunction. The symptoms of TMD typically include headaches, jaw pain, difficulty chewing, and clicking and locking of the jaw. TMD services could also be covered under medical insurance. Some dental services, such as oral cancer screenings, surgeries, and oral appliances for sleep apnea and snoring, may also be covered by These preventive services and oral surgeries also include temporomandibular joint (TMJ)

As we head into the heart of the holiday season, it’s easy to forget to take advantage of your dental benefits. Between shopping for loved ones and decorating, it can be a challenge to find time for an appointment, but it’s imperative you make your dental health a priority before 2020 arrives. After December passes, your benefits are gone, and they're gone for good. According to the National Association of Dental Plans, only 2.8% of individuals reach or exceed their plan's annual maximum. If you don’t use up those benefits, you’re leaving money on the table. The money left is derived from your company benefits. It belongs to you, and leaving it on the table is like having a hole in your pocket. Your money and the perks of your job could be wasted. Some plans run out at different points in the year, but most run out by Dec. 31. The longer you wait to schedule your appointment, the less likely you’ll find an appointment slot because they fill so quickly in December. All that said, if you use a flexible spending account (FSA), you may have options. Depending on your FSA, you may have a grace period of two months or be able to carry $500 over to the next year, but it isn't guaranteed. Deadlines and FSA conditions vary, so contact the administrator for your FSA for a full list of covered services and

medical insurance. This time of the year, if you have already met your yearly medical insurance deductible, it may be possible to have the majority (if not all) of the costs of these services covered by your medical insurance. This is great, especially if you will be maxing out your dental insurance benefits for the year. If you're experiencing any of the symptoms associated with TMD or if you need a treatment associated with a different condition, call us as soon as possible to schedule an appointment. To use your dental or medical benefits before the end of 2019, call us at 908-561-0225 or visit our website at If you had a hole in your pocket, you'd want to fix it before you lost your money, right? Surprisingly, many of our patients "lose" hundreds (even thousands) of dollars a year because they fail to use their FSA money and insurance benefits before the year's end (Dec. 31). Once these benefits are gone, they are lost forever … they don't apply next year. So if you are due for a checkup and cleaning or have outstanding dental treatment that still needs to be done, give us a call ASAP to ensure your work is done by the end of the year.

To your great smiles and better health,

–Dr. Michelle Wedd le

• 1 908-561-0225

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