Use It or Lose It: 4 Ways to Get the Most From Your Dental Plan Before January

If you have dental insurance, there's a good chance some of this year's coverage will vanish on January 1. Most plans reset with the calendar year, and unused dollars usually don't carry over. The good news is that a single visit before the holidays can put a lot of it to work. Here are four ways to do it.

1. Book the cleaning you've been putting off

Most plans cover two preventive visits a year, and coverage for cleanings and exams is usually the strongest part of a plan. If you've only been in once this year, or not at all, that second visit is likely already paid for. A cleaning and checkup also catches small problems while they're still small.

2. Finish treatment that's already on your list

Did your last checkup turn up a cavity, a cracked filling, or a tooth that needs a crown? Those don't fix themselves. Taking care of them now uses this year's benefits instead of next year's, and keeps a simple filling from turning into something bigger.

3. Take advantage of a deductible you've already paid

If you've had dental work this year, you may have already met your deductible. Once it resets in January, you'll pay it again. Getting needed care done in November or December can mean a smaller bill.

4. Spend your FSA dollars on your smile

Flexible spending accounts often follow the same use-it-or-lose-it rule. Dental care is an eligible expense, so leftover FSA money can go toward cleanings, fillings and other treatment. Some employers offer a grace period or small carryover; it's worth a quick check with your HR or benefits contact.

Not sure what you have left?

That's normal. Plan details can be confusing, and our team is happy to help you understand your coverage before you come in. We accept most major dental plans, including Delta Dental, Cigna, Guardian, MetLife and Careington. We do not accept Medicaid. If you don't have insurance, ask about our in-house options and financing.

Why sooner is better than later

December is one of the busiest months of the year at a dental practice. Between holiday travel and everyone racing the reset, the best times fill up fast. Booking in November gives you more choices and room for a follow-up visit if you need one.

Waterford Dental Team is on Highland Road and sees patients of all ages from Waterford, Clarkston, Pontiac, White Lake and across Oakland County. Book online or call (248) 682-6010. New to the practice? Start with our new patient page.

Quick answers

When do most dental plans reset?

January 1 for most people. Some employer plans use a different start date, so check your plan year.

Do unused benefits roll over?

Usually not. A few plans offer a rollover feature, but most don't.

Can I use my HSA instead?

Yes. HSA money doesn't expire, and you can use it for dental care any time.