1) Confirm Your Annual Maximum and Remaining Balance

Call your PPO provider or our front desk to check your remaining benefit, deductible status, and plan year end date. We can help you prioritize covered care first, then plan electives.
External resource: ADA primer on dental benefits (coverage basics): https://www.mouthhealthy.org/all-topics-a-z/dental-insurance

2) Schedule Preventive Care You’ve Already Paid For

Most PPO plans cover exams, bitewing X-rays, and cleanings at 80–100%. Skipping them leaves value on the table and increases the risk of costly problems later.
Internal link: Book your exam & cleaning.

3) Use FSA/HSA on Eligible Dental Services

FSAs (use-it-or-lose-it) and HSAs (rollover) typically cover exams, cleanings, periodontal therapy, fillings, crowns, and medically necessary extractions—often not purely cosmetic.
External resource: IRS FSA facts (eligible expenses): https://www.irs.gov/publications/p969

4) Split Multi-Phase Care Across Plan Years

Need crowns, implants, or aligners? We can stage diagnostics and surgical steps this year, with restorative steps next year, helping you leverage two annual maximums.
Internal links: Dental Implants · Crowns · Dental Braces/Aligners

5) Green-Light Periodontal Therapy Now

Bleeding gums or deep pockets? Addressing periodontal disease can be FSA/HSA and insurance-eligible. Early treatment protects bone and lowers future costs.
External resource: ADA on gum disease: https://www.mouthhealthy.org/all-topics-a-z/gum-disease

6) Time Whitening or Veneers Around Benefits

Cosmetic procedures are usually not covered, but you can pair them with covered care (e.g., exam, necessary restorations) and use savings plans or financing for the esthetics.
Internal links: Teeth Whitening · Veneers · Smile Design

7) Request Pre-Authorizations for Clarity

For major work (implants, multi-unit crowns), a pre-auth gives you a written estimate of coverage, reducing surprises and helping with timing before plan reset.

8) Leverage In-House Savings and Flexible Financing

No insurance? Ask about our in-house savings plan and low-monthly-payment options so you can complete needed care this year.
Internal link: Start with a consultation.

9) Book Now—Prime Appointments Fill Fast

End-of-year calendars get tight. Secure a date now for cleanings, clear aligner scans, or implant surgery planning so lab times and healing stay on track.