Use Your Dental Insurance and FSA Benefits Before They Expire
Most dental insurance plans reset their annual maximum on January 1. Whatever benefit you have not used by December 31 does not carry over. Many employer FSA plans work the same way, with funds that must be used by the end of the plan year or are forfeited. If you have unused benefits sitting on the table, now is the time to put them to work before they are gone.
We accept most major PPO dental insurance plans, including Blue Cross Blue Shield, MetLife, Cigna, Delta Dental, Guardian, and Humana, and our team can help you understand exactly what you have left to use this year.
What You Can Use Your Remaining Benefits For
- Routine cleanings and exams
- Fillings and crowns
- Deep cleanings and periodontal care
- Dental implants and restorative work
- Same-day emergency treatment
Insurance and FSA: Common Questions
When do dental insurance benefits reset?
Most dental insurance plans reset their annual maximum on January 1. Any unused benefit from this year does not carry over, so it is worth using before December 31.
When do FSA funds expire?
Many employer FSA plans require funds to be used by the end of the plan year, often December 31, or they are forfeited. Check with your employer for your plan's exact deadline, since some plans allow a grace period or limited carryover.
Can I use both dental insurance and FSA funds together?
Yes. FSA funds can typically be used to cover your portion of a dental bill after insurance pays its share, such as copays, deductibles, or services your plan does not fully cover.
What if I cannot get an appointment before December 31?
Call us as soon as possible. Appointments fill up quickly at year end, and our team will do what we can to get you in before your benefits reset.