Happy New Year 2026! Start the Year Right with Your Dental Benefits
Your insurance benefits have reset — here's how to make the most of them
As we welcome 2026, the team at Keith A. Brown, DDS wishes you and your family a happy, healthy New Year! It's the perfect time to prioritize your oral health and make the most of your dental benefits.
Your Dental Benefits Have Reset
If you have dental insurance, January 1st marks the start of a new benefit year. This means:
Your annual maximum has reset — Most dental plans provide $1,000 to $2,000 per year in coverage. Last year's unused benefits don't roll over, so you have a fresh start to use this year's maximum.
Deductibles start fresh — You'll need to meet your annual deductible again before your insurance kicks in for certain procedures.
Preventive visits reset — Most plans cover two cleanings and exams per year at 100%. Schedule early to stay on track!
Don't Forget Your FSA or HSA
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), here's what you need to know:
FSA funds may have expired — Most FSAs are "use it or lose it" by December 31st, though some employers offer a grace period through March 15th or allow a small rollover. Check with your employer about your specific plan.
HSA funds roll over indefinitely — Unlike FSAs, HSA balances carry forward year after year. These can be used for dental expenses including cleanings, fillings, crowns, and orthodontics.
Plan ahead for 2026 contributions — If you're enrolled in a new FSA for 2026, consider scheduling any planned dental work early in the year while your funds are fresh.
Tips to Maximize Your Benefits in 2026
Schedule your cleanings now — Don't wait until December when appointments are scarce. Book your six-month checkups at the start of the year.
Address treatment needs early — If you have treatment that's been recommended, starting early gives you time to spread costs across the year or use multiple benefit years for larger procedures.
Understand your coverage — Our team is happy to help you understand your benefits and create a treatment plan that maximizes your insurance coverage.
Keep your information current — If your insurance changed with the new year, please bring your new card to your next appointment so we can verify your benefits.
Start 2026 with a Healthy Smile
Regular dental care isn't just about a beautiful smile — it's an investment in your overall health. Research continues to show links between oral health and conditions like heart disease, diabetes, and more.
We're grateful for the trust you place in our practice, and we look forward to caring for you and your family in the year ahead. Here's to a 2026 filled with good health and plenty of reasons to smile!
Ready to schedule your first appointment of the year? Request an appointment online or call us at (630) 394-8993. We're here to help you make the most of your dental benefits in 2026!!