Flexible Spending Accounts Glendale, AZ
Today, many employers offer a flexible spending account (FSA) as part of their benefits packages. Employees can use these funds to set aside money from each paycheck. FSAs cover most out-of-pocket health care expenses, including dental treatments.
Singh Smile Care in Glendale, AZ and the surrounding area accepts FSAs. Our team works with your employer to confirm coverage. If you are confused about using your FSA, we can help you. Do not let your FSA expire. Call us at (623) 400-6009 to learn how to make the most of your funds.
How FSAs Work
FSAs can help bridge the gap left by other health insurance plans. They allow employees to use tax-free funds to cover out-of-pocket health care expenses, and they sometimes replace a traditional employer health insurance plan.
Employees can also use their FSA to supplement a marketplace plan. In other cases, the FSA may supplement an employer-sponsored health care plan. Either way, the FSA has one central purpose: to cover out-of-pocket expenses.
Employees contribute a limited amount of money to their FSA each year. These funds are taken out of the paycheck before taxable income is calculated. Afterward, employees have one year to use their funds on approved health care expenses. FSA funds can apply toward deductibles, copayments, and coinsurance. Some prescription drugs and over-the-counter medications are covered. Employees can even pay for medical devices like crutches using their FSA.
FSA can help bridge the gap left by other health insurance plans.
The Pros and Cons of an FSA
Tax savings represent the main benefit of an FSA. Since the funds are removed before taxes, employees have a lower taxable income. Some employees find that an FSA increases their take-home pay. The funds in an FSA are available at all times, with few restrictions. Most FSAs are linked to a debit card for added convenience. Patients can then use their FSA debit card at their doctor, dentist, or pharmacy. Patients usually do not need pre-approval or to do other paperwork.
However, employees can only contribute a certain amount of money each year. For most employees, the limit is $2,750 per year. Spouses can also contribute an equal amount to their own FSA. Additionally, FSA funds are tied to an employer. If an employee changes jobs, they cannot keep their current FSA
FSAs funds are "use it or lose it." At the end of the year, employees can roll over up to $500. The remaining unused funds are forfeited to the employer. Employees must keep an eye on their FSA balance. It's up to each patient to ensure that they use their funds before they expire.
Many patients confuse FSAs with health savings accounts (HSAs). These programs are similar, but they have a few key differences. With an FSA, employees can use their funds as a line of credit. With HSAs, employees can only spend money they have already saved. HSAs are also transferrable: employees can keep their HSAs if they change jobs.
The funds in an FSA are available at all times, with few restrictions.
How to Save Money With an FSA
With an FSA, employees can set aside money from their paycheck. Enrollment is available for a limited time at most workplaces. One's employer can provide more details about where, when, and how to sign up for an FSA.
During the enrollment period, employees determine how much money they plan to save. Choosing the FSA budget can be tricky. If an employee underestimates how much money they need, they might lose out on tax savings. If they overestimate, they may lose the money. The exact amount one needs will depend on their family's unique circumstances.
After enrollment, the money is deducted from each paycheck. Employees have until March 15 of the following year to use their funds. Keep in mind that unused funds will expire. It's the employee's responsibility to use their funds before the deadline.
One’s employer can provide more details about where, when, and how to sign up for an FSA.
How to Use FSA Funds
Patients can use their FSA to cover most dental expenses, including routine care. But not all procedures and treatments are eligible. Before scheduling a dental procedure, patients should talk to their employer and plan provider. Cosmetic procedures, including cosmetic orthodontics, are usually not covered under an FSA. However, if a patient needs orthodontics for medical purposes, they might be allowed to use their FSA funds. Our dental team can work with your plan provider to determine coverage.
Cosmetic procedures, including cosmetic orthodontics, are usually not covered under an FSA.
Signs That a Dentist Looks For
During the implant consultation, the dentist will conduct a thorough oral examination and most likely order dental X-rays to determine if the patient is a candidate for dental implants. The dentist will consider the gum health, bone density, and overall health of the patient during the first visit.
Natural teeth and dental implants work similarly, and they are both supported by the gums. If the gums are weak, eroded, or if the patient has periodontal disease, then the implant may not hold the way it should long-term. Implants are still an option with poor gum health, but additional treatment is likely necessary.
Dental implants replace the teeth while also preserving the natural bone. However, the jaw needs the proper amount of bone dentistry to support the dental implant. The jawbone is also essential for a firm hold of the implant, abutment, and artificial tooth. After tooth loss occurs, the bone inside the jaw begins to lose its density. Over time, this can result in the need for a bone grafting procedure to rebuild the strength and density of the jawbone. Once the jawbone is strong enough, we will begin the process.
The implant process also involves a minor surgical procedure to place the dental implant inside the jawbone. As is the case with any surgery, the patient should be willing and able to go through the process. This procedure is slightly more invasive than other replacement solutions.
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A dental implant procedure can take many months because it involves multiple procedures that require healing time in between. Exactly how long and how many procedures will depend on the patient's unique situation. For example, patients who need bone grafting can expect the process to take longer.
Overall, patients undergo a series of outpatient procedures, typically starting with removal of damaged teeth or any bone grafting needed to prepare the jaw. Then, the dental titanium post is placed and the patient must recover after that procedure. It is important to give the jawbone ample time to heal around the post. The final step is the placement of the replacement tooth or teeth in the form of a crown, bridge or permanent denture.
Exactly how long and how many procedures will depend on the patient’s unique situation.
Questions Answered on This Page
People Also Ask
What Treatments and Procedures Are Eligible
- Routine cleanings
- Filling, sealants, and extractions
- Diagnostic and preventive care
- Gum disease treatment
- Oral surgery
- Crowns, bridges, and dentures
Employees can also use their FSA funds for other health care expenses, such as:
- Prescription medications
- Medical and diagnostic devices
- Over-the-counter medications (with a doctor’s prescription)
- Eye surgery
- Hearing aids
- Hospital expenses
FSA funds can go toward most preventive and diagnostic procedures, though some exclusions may apply. One's employer and plan provider can provide details about specific rules and exemptions.
FSA funds can go toward most preventive and diagnostic procedures.
Frequently Asked Questions
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- Singh Smile Care was established in 2006.
- We accept the following payment methods: American Express, Cash, Check, Discover, MasterCard, and Visa
- We serve patients from the following counties: Maricopa County
- We serve patients from the following cities: Glendale and surrounding area
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