Calendars fill up fast in December. Between school events, holiday shopping, and family visits, a dental appointment may be the last thing on your to-do list. But waiting until January could mean losing coverage you have already paid for. Here is a simple guide to the dental insurance benefits Lithia, FL, patients can still use before the year ends.
Why December Matters for Your Dental Benefits
For most plans, your annual maximum resets on January 1. This is the most your insurance will cover for your care in a given year. Any amount you do not use is gone. Your deductible also starts over in the new year, so treatment in January may cost you more out of pocket than the same treatment in December.
Don't Forget Your FSA Dollars
If you have a Flexible Spending Account (FSA), you forfeit the unspent funds at the end of your plan year. Some employers offer a short grace period or a small carryover, but not all do.
Health Savings Account (HSA) funds work differently because they roll over each year. Both accounts can typically pay for eligible dental care, such as cleanings, fillings, and crowns. Check with your plan administrator if you are unsure what qualifies.
Treatments Worth Scheduling Before Year-End
Most plans cover two cleanings and exams each year. If you have only had one, now is the time to book your second.
Have you been putting off a crown, filling, or night guard? Small problems can grow into bigger, more costly ones over time. Scheduling now lets your year-end dental benefits help with the cost.
Make the Most of Your Benefits in Lithia
At Cherry Blossom Family Dentistry, we file your claims for you. We also give you an estimate of your out-of-pocket costs before treatment, so there are no surprises.
December appointments fill up fast. Call our office today to book your visit while your benefits are still available.
