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4Sep 2025

Use-It-or-Lose-It 2025: Maximize Dental Insurance & FSA by Dec 31

The end of the year comes fast in the South Bay—between school events in Milpitas and work sprints in San Jose, Sunnyvale, and Mountain View. Now’s the moment to plan any remaining covered dental care and use Flexible Spending Account (FSA) dollars before December 31. FSAs are pre-tax funds you can use for eligible medical and dental expenses for yourself, a spouse, and dependents. HealthCare.gov

Many FSAs follow a “use-it-or-lose-it” model, meaning leftover funds may be forfeited unless your employer offers either a small carryover or a short grace period. For 2024 plan years, the IRS allowed a maximum carryover of $640 if the employer elected that feature; contribution and carryover limits are updated annually in IRS guidance. Check your plan’s 2025 specifics so you don’t leave money on the table. IRS

How to make the most of Q4 in Milpitas, Fremont, Union City, Sunnyvale, Mountain View, and Alviso:

  1. Finish preventive care: Cleanings and exams help catch small problems before they need bigger (and pricier) treatment.
  2. Schedule fillings or crowns you’ve delayed: Using remaining benefits now can prevent higher out-of-pocket costs later.
  3. Start longer treatments smartly: If your plan renews Jan 1, begin multi-visit care (e.g., Invisalign, implants, or crowns) with a phased calendar that considers annual maximums.
  4. Match treatment to FSA timelines: FSAs generally cover non-cosmetic dental care; confirm eligible expenses and your deadline with your HR/benefits portal.
  5. Book early: Late-November calendars fill fast across the I-880/237 corridor—snag after-school or lunch-break appointments while there’s still flexibility.

Milpitas Dentist

Not sure what your insurance covers? We can help you understand benefits and estimate copays so you can prioritize what fits this year’s budget. Whether you commute to North San Jose tech campuses or live in Fremont or Sunnyvale, our Milpitas location makes it easy to maximize benefits before they reset. Contact us.

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