Use It or Loose It: Dental Insurance and FSA/HSA

Your friendly reminder to maximize your unused dental benefits before the end of the year

November 6, 2023

As we step into November, our appointment book at Sandy Smiles Orthodontics is quickly filling up as the year-end approaches.  Most insurance plans reset on December 31st, which means any remaining benefits will not carry over to the next year. If you're interested in orthodontic treatment, using your leftover dental coverage and HSA/FSA allotments are a great way to enter the new year with a smile. 


Why Do Dental Benefits Expire?


Dental insurance plans typically follow a 365-day schedule, offering a certain allowance for various dental treatments. However, many insurance providers operate under a "Use It or Lose It" policy. Any unused benefits by the year's end will be forfeited. These policies are designed to save insurance companies money, but we encourage you to take full advantage of your well-deserved dental benefits for a healthy and beautiful smile.


Save Money on Invisalign, Braces and Retainers


Most insurance plans allow you to apply your dental coverage towards orthodontic treatment. Orthodontic treatment is a perfect use for any unused dental coverage allotment. Some insurances will also cover refreshes to your retainers if you are due for a new set.


Don't Forget to Use FSA or HSA


If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use these accounts to cover out-of-pocket health and dental care expenses with tax-free dollars. Failure to use these funds by the end of the benefit period may result in losing them. To be safe, schedule any treatment before the year's end to take full advantage of these pre-taxed accounts.


Don't Wait, Contact Us Today!


As the holiday season and various commitments approach, it's easy to forget about your unused insurance and FSA/HSA allotments. At Sandy Smiles Orthodontics, we've made it convenient for you to apply your insurance benefits towards a new smile.  To explore the range of orthodontic services we offer, give us a call or click below to schedule a complimentary consultation. 

Get in Touch!

(850) 244-3880

Fort Walton Beach, FL
824 Eglin Parkway NE

(850) 244-3880

DeFuniak Springs, FL
746 Baldwin Ave.

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