In today’s economy, every dollar counts. Even though things seem to be getting better, there are still many individuals in the United States who are unable to find full-time employment, or any employment at all. This can make it difficult to pay for the necessities in life, including preventive dental care.
If you are fortunate enough to be employed by an employer who offers a health Flexible Spending Account (FSA) option, you know what a great benefit this is. A healthcare FSA is a tax-advantaged financial account that can be set up through a cafeteria plan by an employer in the United States. An FSA allows an employee to set aside a certain amount of their earnings to pay for eligible healthcare expenses. The money that is deducted from an employee’s payroll check and placed in an FSA is not subject to payroll taxes. This provides a very smart and cost-effective means for employees to pay for their healthcare expenses, including dental care. FSA funds can be used for dental expenses such as teeth cleaning, sealants, fluoride treatments, X-rays, fillings, extractions, dentures and more.
In addition, many dental practices now offer in-house and/or flexible payment plans. This provides another good option to help families and individuals pay for needed dental care. These plans allow you to get the care you need now and to spread the payments out over time. This can be especially helpful when a major dental procedure such as dental implants or root canal therapy is needed.
The worst thing you can do, in any economy is to neglect your oral health. This will only lead to more serious, painful and expensive dental health problems down the road. You can avoid costly dental bills in the future by getting regular general and preventive dental care today.
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