Most dental insurance plans operate on a calendar year, meaning that benefits unused by December 31 will be forfeited. This “use-it-or-lose-it” approach applies to preventive care, treatments, and even contributions to Flexible Spending Accounts (FSAs).

Unused benefits represent not just wasted money but also missed opportunities to improve or maintain your oral health. Preventive care and minor treatments can prevent more serious dental problems in the future, saving you time, money, and discomfort.

If you have been delaying dental visits or treatments, now is the perfect time to act. At Elements Dental, we help you understand your coverage and create a plan that maximizes the value of your insurance while prioritizing your health.

Fully Covered But Often Overlooked: Treatments to Prioritize

Your dental insurance likely covers more than just cleanings and exams. Here are some treatments that are often fully or significantly covered by insurance but are commonly overlooked because they do not seem urgent:

Periodontal Cleanings and Deep Scaling

Gum health is just as important as the health of your teeth, but periodontal disease often progresses silently. Deep cleanings (scaling and root planing) remove plaque and tartar below the gumline, halting the progression of gum disease and preventing tooth loss.

Many insurance plans cover a significant portion of periodontal treatments. Addressing gum health now can save you from more extensive—and expensive—procedures like gum surgery in the future.

Fluoride Treatments for Adults

Although fluoride treatments are commonly associated with children, adults can benefit too—especially those with a history of cavities, enamel erosion, or sensitivity. Many plans include fluoride as a preventive measure, making it a cost-effective way to protect your teeth.

Custom Night Guards for Bruxism

Grinding your teeth at night (bruxism) can lead to jaw pain, headaches, and even cracked or worn-down teeth. Custom night guards, which are tailored to fit your mouth, protect your teeth and reduce discomfort. Many insurance plans cover part of the cost, making year-end the perfect time to get fitted for one.

Sealants for Adults

Sealants are not just for kids. Adults with deep grooves or pits in their molars can benefit from this preventive measure, which creates a protective barrier against decay. Sealants are often partially or fully covered by insurance as part of preventive care.

The Foundation of Oral Health: Preventive Care

Routine cleanings and exams form the backbone of oral health, and insurance plans typically cover them at 100%. If you have not scheduled both of your annual cleanings, now is the time to book your final one for the year.

During these visits, we also provide essential services like X-rays, which help identify potential problems early. Preventive care ensures that minor issues do not develop into costly or painful emergencies.

At Elements Dental, we take a thorough approach to preventive care, tailoring each visit to your unique needs. Whether it is a routine cleaning or a consultation for future treatments, we are here to keep your oral health on track.

Major Treatments: Plan Strategically

Some dental treatments require a higher financial investment, but they are often partially covered by insurance. Planning these treatments around your annual maximum can help you save significantly.

Crowns and Bridges

Crowns and bridges restore function and aesthetics to damaged or missing teeth. If you are nearing your annual maximum, starting the process before year-end allows you to split costs between this year’s benefits and next year’s renewed maximum.

Root Canals

Delaying a root canal can turn a manageable issue into a serious infection. Insurance typically covers a significant portion of root canal therapy, so addressing the problem now can help you avoid a larger expense later.

Orthodontic Consultations and Treatments

Many plans include partial coverage for orthodontics, including initial consultations for braces or clear aligners. Even if you are not ready to start treatment immediately, scheduling a consultation now lets you plan for the future while utilizing any remaining benefits.

Do Not Forget About FSAs

If you have a Flexible Spending Account, remember that these funds must be used by year-end, or they will be forfeited. FSAs can cover a variety of dental services, including:

• Cosmetic treatments like whitening or veneers
• Elective treatments such as night guards or mouthguards
• Out-of-pocket costs for restorative care

At Elements Dental, we can provide detailed receipts and documentation to help you utilize your FSA effectively.

How Elements Dental Helps You Maximize Benefits

Navigating dental insurance can be complex, but at Elements Dental in Victoria, we make it easy. Here is how we ensure you get the most from your benefits:

• Comprehensive Coverage Review: We will help you understand your plan, including what is covered and how to prioritize treatments before year-end.
• Personalized Treatment Plans: Our team works with you to develop a plan that fits your schedule and maximizes your insurance.
• Efficient Scheduling: Whether it is a preventive cleaning or a major procedure, we will find the right time to ensure you do not miss out on your benefits.
• Flexible Financial Options: For out-of-pocket expenses, we offer payment plans and guidance on using FSAs or HSAs.

Your oral health is our priority, and we are here to make sure you receive the care you need with minimal stress.

Why Professional Care Matters

While maintaining good oral hygiene at home is essential, professional dental care is irreplaceable. Some issues—like tartar buildup, early cavities, or gum disease—cannot be addressed with brushing and flossing alone. Regular visits to Elements Dental in Victoria allow us to catch problems early and provide treatments that protect your smile in the long run.

Using your dental insurance for preventive and restorative care is not just a financial decision; it is an investment in your overall health.

Start the New Year with Confidence

The end of the year is a chance to reset—not just your calendar but your health goals too. By maximizing your dental insurance benefits now, you can head into the new year with a healthier, more confident smile.

At Elements Dental in Victoria, we are here to guide you through every step of the process. From routine cleanings to comprehensive treatment plans, we will ensure you make the most of your benefits while prioritizing your long-term oral health.

Contact us today to schedule your year-end appointment. Let us work together to protect your smile, maximize your benefits, and make the most of this year’s remaining opportunities.