As the year draws to a close, now is the perfect time to review your dental benefits, make the most of your coverage, and visit the dentist in Nashville. At Nashville Smiles, we want to help you maximize your dental insurance, Health Savings Account (HSA), or Flexible Spending Account (FSA) benefits before the year ends.

Use It or Lose It!

Many dental insurance plans operate on a calendar year, meaning unused benefits typically expire at midnight on December 31st. If you’ve been putting off dental care or need treatments that your insurance will cover, now is the time to act.

Unused benefits don’t roll over into the next year; if you don’t use them, you lose them–including coverage for routine cleanings, exams, fillings, crowns, and other restorative work. Most plans also have an annual maximum, which is the most your insurance will pay for dental care for the year. After you reach that limit, you’ll be responsible for paying out-of-pocket.

Additionally, many plans cover 100% of preventive care, such as cleanings and exams, and may offer a percentage of coverage for procedures like fillings, crowns, and even clear aligners. Using your benefits now can help you avoid higher costs later.

Benefits of Using Your HSA or FSA at the Dentist in Nashville

If you have an HSA or FSA, now is the time to use those funds before they expire at the end of the year (for FSA accounts, unless your employer offers a grace period or rollover option). These tax-advantaged accounts allow you to set aside money pre-tax for medical and dental expenses.

Health Savings Account (HSA)

An HSA is an excellent option if you have a high-deductible health plan (HDHP). The funds you contribute to an HSA are tax-deductible, and you can use them to pay for various qualified medical expenses, including dental care. Since HSA funds roll over year after year, you can save them for future treatments, but if you have unused funds now, why not take advantage of them to improve your smile?

Flexible Spending Account (FSA)

If you have an FSA, you must typically use the funds in your account by December 31st, or you risk losing them. Unlike HSAs, FSAs don’t roll over, so plan to use any funds on covered dental treatments before the year’s end. Whether it’s routine cleanings, fillings, or more extensive dental work, scheduling an appointment before the end of the year can help you maximize your FSA funds.

Splitting Services Across Years to Maximize Coverage

If you need extensive dental work from a dentist in Nashville, consider splitting your treatments between the end of this year and the beginning of next year to maximize your annual benefits and deductibles. By splitting the cost of your treatment, you can take advantage of your benefits for both years and minimize your out-of-pocket expenses.

For example, if you need a crown or other major treatment, you could schedule part of the procedure before December 31st and complete the rest early next year.

Other Financing Options

We want you to get the care you need. Finances should never stand between you and quality dental care. We offer multiple financing options and our team at Nashville Smiles can work with you to create a treatment plan that fits your schedule. Additionally, we can help you make sure you’re getting the most value from your insurance.

Services We Offer at Nashville Smiles

At Nashville Smiles, Dr. Amanda Harrington and her stellar team offer many dental services to help you maintain a healthy, beautiful smile. We also offer the latest digital technology with digital scanning and 3D X-rays. 

Here are just a few of the services we provide:

• Preventative Care: Regular exams and cleanings to keep your teeth and gums healthy.
• Restorative Treatments: Fillings, crowns, and bridges to restore damaged teeth.
• Cosmetic Dentistry: Teeth whitening, veneers, and Invisalign to enhance the appearance of your smile.
• Orthodontics: We offer Invisalign for both teens and adults.
• Emergency Dental Care: If you have a dental emergency, we offer prompt, professional care to address your needs.
• Extractions: When a tooth is beyond repair, we can safely and comfortably extract it.
• Implants: We offer implant-supported restorations to replace missing teeth.
• Botox: TMJ: We are proud to offer Botox treatments for TMJ disorders and jaw pain.

Whether you need a simple cleaning or more complex restorative work, we’re here to help you make the most of your insurance and flexible spending accounts.

Schedule Soon!

As the end of the year approaches, our schedule fills up quickly. Between families coming in for end-of-year cleanings and patients utilizing their insurance benefits, appointment slots can get limited. Book early to secure an appointment! We want to make sure you take advantage of your benefits. Contact us today at Nashville Smiles in Nashville to reserve your spot on our calendar and take advantage of your dental insurance before it resets!