As the year winds down, dental benefits you’ve not yet used are prepared to expire. Fortunately, some straightforward preparation now can help you turn those expiring benefits into vital care you need from a Sweetwater dentist, often at a lower price than you’d otherwise pay.
To maximize your dental insurance in Sweetwater, TN, before the end of the year, you should first check your policy for your remaining balance. Then, based on your remaining coverage, schedule a cleaning and exam, arrange to finish multi-step treatment, or begin a larger treatment, to be spread across two benefit years.
How to Get Maximum Value From Your Remaining Benefits
Most dental plans reset at the end of the calendar year. As a result, unused benefits usually don’t roll over, while your annual maximum and deductible reset. It is worth noting that some plans use a different plan year, so you should confirm your plan’s reset date.
To maximize your remaining dental benefits:
- Contact your insurance provider to confirm your remaining balance and whether you’ve met your deductible.
- Schedule your final cleaning and exam of the year.
- Finish any multi-step treatments you’ve paused or been putting off, like fillings or crowns.
- Work with your Sweetwater dentist to plan any necessary, larger treatment across two benefit years (for example, starting implant placement now and finishing in 2027).
Don’t Forget Your FSA or HSA!
A flexible spending account (FSA) generally must be used within the plan year, though some employers allow a grace period or limited carryover, so check your deadline. Cosmetic treatment is typically not covered by FSAs. Health savings account (HSA) funds usually roll over, but they’re still a tax-advantaged way to pay for dental care.
No Insurance? No Worries! Options at Moore Smiles
Moore Smiles offers an in-house membership plan for patients without insurance, and third-party financing, including CareCredit®, Sunbit®, and Cherry®, can divide the cost of dental treatment into monthly payments. Our office is also in-network with Blue Cross Blue Shield, Cigna, and Delta Dental. If you have coverage, our outstanding team can help you use it!
Maximizing Dental Benefits in Sweetwater, TN
If you’re in Sweetwater and want to learn more about making the most of your dental benefits before the year ends, contact Dr. Christy Moore and the friendly, knowledgeable Moore Smiles team to schedule a year-end visit.