As the year winds down, it’s easy to get caught up in the holidays, school schedules, and travel plans. But before you turn the calendar to January, there’s one thing that shouldn’t be overlooked — your dental insurance and flexible spending account (FSA) benefits.
At Prairie Dental Group in Eden Prairie, Dr. Benjamin Fenger, Dr. Jeffrey Moos, Dr. Cole Boerema, Dr. Erik Engelbrektson, and Dr. James Watson want to help you make the most of your coverage before it resets. Because once the year ends, many of those hard-earned benefits simply disappear.
Why Dental Benefits Don’t Roll Over
Most dental insurance plans operate on a yearly cycle. That means your annual maximum — the total amount your plan will pay for dental care each year — refreshes every January. But here’s the catch: anything you don’t use by December 31 typically doesn’t carry over.
If you’ve already met your deductible or have unused coverage left, now’s the perfect time to schedule treatments you’ve been postponing, like fillings, crowns, or periodontal therapy. Using your benefits before they expire can help you start the new year with a healthier, worry-free smile.
FSAs: Spend Smart Before the Deadline
If you contribute to a Flexible Spending Account, those funds are also time-sensitive. While some plans offer a short grace period or allow a small rollover amount, most require you to use your balance by year’s end.
Dental care — including cleanings, sealants, orthodontic treatment, and even mouthguards — often qualifies for FSA reimbursement. If you’re unsure what’s covered, our front office team can help you confirm eligible expenses and provide the documentation your plan requires.
Small Steps That Save Big
You don’t have to need major dental work to benefit from an end-of-year visit. Preventive services like exams and cleanings are usually fully covered by insurance, and they help catch potential issues before they become bigger (and more expensive) problems.
If you’re mid-treatment — say, in the middle of a crown, bridge, or Invisalign® — completing the next stage before December could also help you maximize your remaining coverage.
Planning Across Two Benefit Years
For more extensive treatments, such as implants, full-mouth restorations, or Invisalign, careful timing can make a big financial difference. Splitting procedures between two benefit years — starting in December and finishing in January — can help you take advantage of two annual maximums instead of just one.
Our team can review your treatment plan and help schedule appointments strategically so you get the best possible value from your insurance.
Make the Most of Your Benefits at Prairie Dental Group
Our team at Prairie Dental Group is happy to review your insurance plan, estimate remaining benefits, and find appointment times that fit your schedule before the holidays hit full swing.
Don’t let your coverage go unused — it’s part of your investment in long-term oral health. Call our Eden Prairie office today to book your year-end visit and start the new year with a healthy, confident smile.
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