As the year comes to a close, it's crucial to make the most of your dental insurance benefits and flexible spending accounts (FSAs) before they expire on December 31st. Many people are unaware that unused benefits and funds don’t roll over into the new year, which means if you don't act soon, you could be leaving valuable dental care and money on the table.
Why Take Action Now?
Most dental insurance plans, as well as FSAs, operate on a calendar year, meaning any benefits or funds not used by the end of the year are forfeited. Here are a few important reasons to act now:
1. Prevent Loss of Benefits
Dental insurance often covers two cleanings per year, along with other preventative and restorative treatments like fillings, X-rays, and crowns. If you haven’t yet used your covered services, now is the time to do so. These services can help prevent future, more costly dental issues, and they are covered by your insurance—so take advantage while you can!
2. Maximize Your Flexible Spending Accounts (FSAs)
If you have an FSA, it’s important to note that the funds you contributed are use-it-or-lose-it. Whether you need routine dental work or a more significant treatment like crowns or veneers, your FSA can help cover these out-of-pocket expenses. Check your account balance and plan to schedule any necessary dental work before the year ends.
3. Avoid Higher Costs in 2025
With insurance plans typically resetting in January, delaying your dental care could result in higher out-of-pocket expenses next year. Deductibles reset, meaning you’ll need to meet your deductible again before coverage kicks in. By scheduling now, you can avoid these additional costs and get necessary care covered under your 2024 benefits.
Dental Care Procedures That May Be Covered
- Routine cleanings and exams
- X-rays
- Fillings
- Crowns or bridges
How to Make the Most of Your Benefits
Review Your Insurance Coverage: Check what treatments are still covered under your current plan and whether you've met your deductible.
Check Your FSA Balance: If you have remaining funds, consider treatments or procedures you’ve been putting off.
Schedule an Appointment Now: Dental offices fill up quickly towards the end of the year, so don’t wait until the last minute to secure your spot.
Don’t let your hard-earned benefits and contributions go to waste. Take control of your dental health by using up your insurance benefits and FSA funds before they expire. A proactive approach to dental care not only helps maintain a beautiful, healthy smile but also prevents the need for more costly treatments down the road.
Book your appointment today by calling (332) 334-8290.
If you have any questions about your coverage or available treatments, feel free to reach out to us. We're happy to assist you in making the most of your dental benefits!