As the holidays approach and the calendar starts to fill up, it’s easy to forget about one important thing: your dental insurance benefits. Every year, countless patients let their hard-earned benefits go to waste simply because they don’t realize that most dental insurance benefits reset at the end of the year.
That’s why we want to help you make the most of your coverage before time runs out. Here’s why scheduling your dental care now can save you money and set you up for a healthier smile heading into the new year.
Your dental benefits don’t roll over
Most dental insurance plans run on a calendar-year basis, which means your benefits renew on January 1st. That might sound great, until you realize that any unused benefits from this year disappear once the clock strikes midnight on December 31st.
That’s right! If you haven’t used your preventive visits, your annual maximum or met your deductible, you could be leaving valuable coverage (and your own money) on the table. Think of it as a “use it or lose it” situation. You’ve paid for these benefits all year long; now’s the time to take advantage of them.
Why you should schedule now
As we get closer to the end of the year, our schedule fills up quickly with patients who want to use their remaining benefits. Preventive care appointments, fillings, crowns and other treatments can be hard to fit in once December arrives.
Scheduling now ensures you can find a convenient time that works for you before the rush. It’s also a smart financial move: completing needed dental work now could mean lower out-of-pocket costs, especially if you’ve already met your deductible for the year.
Make the most of what you’ve already earned
Not sure how much coverage you have left? Our team can help you review your benefits and figure out the best way to use them. Here are a few ways to make the most of your dental plan before it resets:
- Book your cleaning and exam: Preventive visits are usually covered at 100%, and they’re the easiest way to maintain your oral health.
- Complete recommended treatments: If your dentist has suggested fillings, crowns or other work, getting it done now could save you money compared to waiting until next year.
- Ask about flexible scheduling: For larger treatment plans, we can help space out appointments in a way that maximizes your insurance coverage.
Our goal is to help you get the care you need, comfortably, affordably and without surprises.
Don’t forget about FSA or HSA funds
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), those funds often expire at the end of the year, too. Dental care is a great way to use them before you lose them, whether it’s preventive treatment, fillings or other services that keep your smile healthy.
Frequently asked questions
What does “use it or lose it” mean for dental insurance?
Many dental insurance plans reset at the end of the calendar year. If you don’t use your remaining benefits before they expire, you may lose them and start over with a new annual maximum and deductible.
Why should I schedule dental treatment before the end of the year?
Using your benefits before they reset can help lower out-of-pocket costs and allow you to take advantage of coverage you’ve already paid for.
What dental services are commonly covered by insurance?
Many plans provide coverage for preventive care such as cleanings, exams and X-rays. Depending on your plan, fillings, crowns and other restorative treatments may also be covered.
Can I use my FSA or HSA funds for dental care?
Yes. FSA and HSA funds can often be used for eligible dental expenses, including preventive care and many restorative treatments. Check your plan for specific coverage details.
What if I don’t know how much coverage I have left?
Your dental office can often help review your benefits and determine how much coverage remains so you can make informed treatment decisions before the year ends.
When should I schedule my appointment?
As the end of the year approaches, dental schedules tend to fill quickly. Scheduling early can help ensure you get an appointment before your benefits expire.
Let’s make the most of your benefits
The end of the year will be here before you know it. Don’t let your dental benefits or your FSA funds go to waste. Our team at Horizon Dental Care is happy to help you review your coverage and set up your appointments before your benefits expire.
Let’s make sure you start the new year with a healthy, confident smile. Schedule your appointment today!
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