Is It Worth Squeezing in a Dental Visit Before the Year Ends?

Usually, yes, especially if you have dental insurance or a flexible spending account. Most dental plans and many FSAs reset on January 1. A visit before the end of the year uses money and coverage you've already paid for. The same visit in January may cost you more out of pocket.

Here's how to tell whether a year-end visit makes sense for you and your family.

It's probably worth it if...

• You haven't had a cleaning in the last six months. Most plans cover two preventive visits a year, and they don't carry over.

• Your dentist recommended treatment you haven't scheduled yet. A cavity found in the spring keeps growing. Treating it now uses this year's coverage, and a small filling is far easier than what a neglected cavity can become.

• You've already met your deductible. That deductible resets in January, so care before then can cost less.

• You have FSA money left. FSA dollars are often use-it-or-lose-it, and dental care is an eligible expense.

It may not matter as much if...

• You've already used your full annual maximum for the year.

• You're fully up to date on cleanings and have no treatment pending.

• You pay with an HSA, which rolls over from year to year.

Even then, a checkup on schedule is worth keeping. Problems are cheapest to fix when they're caught early.

Don't forget the kids

Children's cleanings and exams count toward a family's benefits too. If your kids are due, a December visit for the whole family can use coverage before it resets. Our team sees patients of all ages, including little ones visiting the dentist for the first time.

How do I find out what's left on my plan?

Your insurance company's member portal usually shows it, or our team is happy to help you understand your benefits. We accept most major dental plans, including Delta Dental, Cigna, Guardian, MetLife and Careington. We do not accept Medicaid. No insurance? Ask about our in-house options and financing.

Book before December fills up

The end of the year is one of the busiest times at any dental practice. Booking now gives you the best shot at a time that works around school, work and the holidays.

Grand Rapids Dental Team on 4 Mile Road sees families from Grand Rapids, Walker, Alpine and the greater West Michigan area. Book online or call (616) 784-6377. New here? Read what to expect as a new patient, or learn more about cleanings and checkups.

Quick answers

Is a cleaning covered by insurance?

For most plans, preventive cleanings and exams are covered at a high level, often twice a year.

Can I use my FSA card at the dentist?

Usually, yes. Dental treatment is a qualified medical expense.

What if my plan year doesn't follow the calendar?

Some employer plans reset on a different date. Check your plan documents, or ask us when you call.