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Dental Insurance: Use It Or Lose It

Does your dental insurance refuse to cover certain treatments? If so, you might be forced to pay out of pocket. The stress of coming up with funds to pay for dental procedures often causes you to postpone the required treatment due to a lack of funds.

Did you know a Flexible Spending Account or Health Savings Account could cover some of the dental costs for NYC customers? FSA and HSA plans both expire on December 31st of each year. Use

What is a FSA?

An FSA is also known as a Flexible Spending Account or Flexible Spending Arrangement. This special account is set up to allow you to deposit money that can be used later to cover certain out-of-pocket health care costs. Some employers sometimes make contributions to your FSA. However, you will need to speak to your companies Human Resources department for further details. 

Benefits of a FSA

  • Employees enrolled in an FSA contributes tax-free dollars
  • Convenient
  • Easy to use
  • You can depend on it to cover qualified dental care expenses
  • The account is there for you when you need to cover out-of-pocket expenses

Save up to $1,000 on orthodontic dental treatments in NYC.
We accept insurance, financing, HSA, and FSA.

Call us at 212-972-3522 if you have any questions about your dental insurance, FSA or HSA plans. Schedule your appointments with your own time and date. Our orthodontic office is conveniently located near Midtown at 30 East 40th St @ Park Avenue New York, NY 10016.

What dental work is covered by a FSA?

  • Artificial teeth
  • Dental implants
  • Dental sealants
  • Dental services
  • Dental procedures
  • Prevention and alleviation of dental disease
  • Denture brush
  • Denture cleaning supplies
  • Denture stain cleaner
  • Dentures
  • Denture adhesives
  • Orthodontia

What is a HSA?

An HSA is also known as a Health Savings Account. This is a special account that allows you to make contributions towards medical expenses including dental care. An FSA account also helps reduce your taxable income. Employees enrolled in a high-deductible health insurance plan is an ideal candidate to open an HSA account. 

Benefits of a HSA

  • Convenient
  • Easy to use
  • It’s there for you when you need it most
  • Contributions are pre-tax through your employer
  • Tax-deductible if you opened your own account
  • Taxes don’t need to be paid on the account’s growth
  • No tax if withdrawals are made for eligible expenses

What dental work is covered by a HSA? 

  • Dental services
  • Orthodontia
  • Dental implants
  • Artificial teeth
  • Dental sealants
  • Dentures
  • Denture brush
  • Dental procedures
  • Alleviation and prevention of dental disease
  • Denture stain cleaner
  • Denture cleaning supplies
  • Denture adhesives

FSA and HSA vs. Standard Dental Insurance 

Standard dental insurance plans cover a wide range of procedures and treatments that are mentioned in your policy. Some dental insurance companies either partially cover or don’t cover specific treatments and procedures that cause you to pay out-of-pocket.

Unfortunately, many consumers don’t have the financial budget to pay out-of-pocket and end up not getting the dental care they desperately need. An FSA and HSA account allow you to save money for those moments when you need help paying out-of-pocket. The accounts act as financial support to help ensure you can afford the dental treatment you need. 

Read through your dental insurance policy carefully to find out the procedures and treatments it covers. Most consumers prefer to use their dental insurance in combination with an FSA or HSA account so all of the dental care costs are covered. 

Bottom Line

Each FSA and HSA plans may have a set expiration date, grace period or carryovers. Review your plans or call your insurance company to get further clarification.

Do you still have questions regarding your dental insurance?

Please call us at 212-972-3522 if you have any questions about your dental insurance, FSA or HSA plans. Schedule your appointments with your own time and date. Our orthodontic office is conveniently located near Midtown at 30 East 40th St @ Park Avenue New York, NY 10016.

Temporary Office Closing In Response To COVID-19

To our Family of Patients,

Dr. Jacquie Smiles’ team continues to operate during the COVID-19 pandemic.

STAY TUNED for upcoming video consultations!!

To our Family of Patients & Future Ones, as well,

Here at Dr. Jacquie Smiles, there is nothing more important to us than the safety & well-being of our patients and team. With that in mind, we are here for you to answer any questions you may have with... Read Full Letter