Dental insurance and Flexible Spending Accounts (FSAs) are benefits you pay into every month that can directly support your health. However, unless you make a plan to use your coverage, you may join the millions of Americans who leave around $100 billion in unused benefits on the table every year. If you’re struggling to find ways to make your investments count, continue reading.
1. Schedule Your Checkups and Cleanings
Preventive visits are often covered at 100% by most dental insurance plans, so they’re an easy way to use your benefits. If you haven’t had both of your yearly cleanings, now is the perfect time to schedule them. These visits help your dentist discover dental issues before they worsen, which can prevent more costly problems later.
2. Complete Recommended Treatments Before Year’s End
If your dentist has recommended a filling, crown, or other treatment, getting it done now can save you money. Most insurance plans include an annual maximum, which is a limit on how much your insurance covers every year.
Once the year resets, you lose whatever funds you didn’t use, and you’ll need to reach your deductible again before your plan pays out. If you still have unused benefits, use them so you don’t start the new year with untreated issues.
3. Check Your FSA Balance and Plan Ahead
FSAs are a great tool for managing out-of-pocket dentistry costs because of their versatility. However, they’re also “use-it-or-lose-it” accounts for many people.
Fortunately, there are many treatments, like fillings, emergency visits, and even certain over-the-counter products that may qualify for FSA use. To make the most of your account before it resets, check your remaining balance and talk to your dentist. They can help you see which services you can complete before time runs out.
4. Start Multi-Step Treatments Now
Some dental procedures, like crowns, root canals, or ClearCorrect, may take more than one appointment to complete. Starting these treatments before the end of the year can allow you to split the cost between two benefit periods. Doing this can lower your out-of-pocket expenses and help you get more value from both your insurance plan and your FSA.
5. Ask for a Benefits Review
If you’re unsure what your insurance covers or how much is left in your FSA, your dental team can help. Most offices will gladly review your benefits, estimate costs, and walk you through some ways to maximize your coverage. A quick conversation could save you hundreds of dollars!
You invest in your dental care every month, so don’t let those resources go to waste. With a little planning, you can take advantage of the care available to you and start the new year with a healthier, brighter smile.
About the Author
Dr. Jeff Chang earned his dental degree from New York University College of Dentistry and completed his residency at Staten Island University Hospital. A lifelong learner, he continues building his skills through professional organizations like the Academy of General Dentistry. Dr. Chang is known for his gentle approach, warm personality, and dedication to accessible care. Call (201) 399-4860 to schedule a consultation at Feels Good Dental or visit our website to learn more about our financing and insurance options.