No Dental Insurance? No Problem...
Use a Tax-Deductible Health Savings Account to Pay Your Dental Bills

Even the best dental plans have limited coverage. It’s pretty easy to use up a $1,500.00 yearly maximum with two annual maintenance visits and a couple fillings or one crown. But what if you or someone in your family needs implants, TMJ treatment, or orthodontics? The cost of treatment may be thousands above and beyond your dental insurance (if you are lucky enough to have a dental plan). If nothing is really bothering you, is it really necessary to have dental treatment? Here is some food for thought.
 
Dental Conditions Can Have Harmful Effects on Your Body Systems 
 
But let’s face it, when you don’t have the money, you just live with your current dental condition. It’s unfortunate that your medical insurance doesn’t cover the dental work despite the health benefits of better digestion, heart health, and headache relief.

Cardiovascular health and periodontal disease go hand-in-hand. Even though you may be at greater risk for a heart attack or stroke from chronically infected gums, traditional health insurance won’t pay for your dental treatment. But a Health Savings Account will.

Digestive problems and mouth conditions affect weight, elimination, mood, and organ health. Yet medical insurance won’t pay for tooth replacements, root canal therapy, gum treatment, or orthodontics that would improve chewing and help with more nutritional food selection. But a Health Savings Account will.

Headaches and back pain very often have a structural imbalance originating from bite imbalances. But neither dental nor medical insurance covers TMJ diagnostics or treatment. But a Health Savings Account will.   
 
Pregnancy complications particularly pre-term births and low birth-weight babies correlate with advanced gum disease. Some dental insurance covers an extra dental cleaning, but if more extensive treatment is required, you won’t get coverage from dental plans with periodontal restrictions nor will your medical insurance pay for these life saving services. But a Health Savings Account will. 
 
Health Savings Accounts: A Health Plan That Pays for Dentistry
 
Considering that adverse dental conditions play such a vital role in health and people can be reluctant or not have the ability to pay for costly dental treatment, it makes sense to seek out insurance alternatives that can help pay for health-promoting dental services. When combined with a cost-saving High-Deductible Health Plan, the tax-favored distributions from a Health Savings Account can bring relief in more ways than one.  Lower monthly premiums, tax deductions, retirement savings, and money to pay for dentistry, eye care, chiropractic, and alternative medicine are just a few of the great benefits. All this leads to a healthier and more productive life.
 

Dr. Andrea Brockman