Time Is Running Out for Your FSA and Dental Benefits

As the holiday season approaches, many families in Lawrenceville and across Gwinnett County are making plans, booking travel, and prepping for celebrations. But there’s one important item that often gets overlooked during this busy time of year: your Flexible Spending Account (FSA) and dental insurance benefits.

If you haven’t scheduled your dental treatments or checkups, now is the time. Most FSA funds and dental insurance benefits expire on December 31st—and any unused dollars may be lost for good.

Don’t let your hard-earned money go to waste.

Use It or Lose It: How FSA and Dental Benefits Work

Your FSA allows you to set aside pre-tax dollars for eligible medical and dental expenses throughout the year. However, the IRS has strict rules:

• Most FSA funds must be used by the end of the calendar year
• Some plans offer a short grace period or allow a small rollover (up to $640 in 2025), but many do not
• If you don’t use your funds, you forfeit them

The same applies to many dental insurance plans, particularly those that follow a “use it or lose it” model. According to the National Association of Dental Plans, less than 3% of people with dental insurance actually reach or exceed their annual maximum benefit—meaning 97% leave money behind every year.

What You Can Do Now

At Gwinnett Family Dental Care, we encourage all our patients to review their remaining dental benefits and FSA balances before the end of the year. There’s still time to:

• Schedule a dental cleaning or exam (often covered at 100%)
• Complete unfinished treatments like fillings or crowns
• Start or finish restorative work before the year resets

Use your FSA for out-of-pocket expenses like:

• Co-pays
• Fluoride treatments
• Nightguards or sealants
• Orthodontics (depending on plan)

And remember—dental issues don’t take a holiday. Delaying treatment could lead to more expensive procedures later on.

Why Book Now? Appointments Fill Fast

As December nears, our schedule fills up quickly with patients hoping to take advantage of their expiring benefits. If you’re in Lawrenceville, Duluth, Suwanee, or anywhere in Gwinnett County, now is the best time to secure your spot before the rush.

Fun Fact: According to the CDC, nearly 26% of adults have untreated dental cavities. Many of these cases could have been addressed with preventive care—often fully covered by insurance.

Local Dental Care You Can Trust

Gwinnett Family Dental Care has proudly served the Lawrenceville community for over 30 years. With a large, highly trained team and a full range of dental services under one roof, we make it easy to:

• Get prompt appointments
• Use your benefits efficiently
• Create treatment plans that maximize your coverage and minimize out-of-pocket costs

Whether you’re wrapping up the year with a routine checkup or finally taking care of that lingering dental issue, we’re here to help you make the most of your benefits—without the stress.

Don’t Leave Money on the Table—Call Us Today

If you’re not sure what your FSA or dental benefits cover, our friendly team is happy to help you review your options. Let us help you get the care you need while making smart use of your coverage.

Call our Lawrenceville office or book online today—before your 2025 benefits vanish with the new year.