The 411 on Dental Benefits With & Without Insurance

411 on Dental Benefits

The end of the year is just days away, and amidst the hustle and bustle of holiday shopping and gatherings, scheduling a dentist appointment may not be at the top of your to-do list. Here’s why it should be.

Two words: Dental Benefits. Did you know millions of dollars in dental benefits go unused every year? Many dental plans provide coverage up to a certain dollar amount annually. Those disappear as of January 1. And it’s not like insurance companies are anxious to alert you about these unused funds. In a sense, they’re counting on you not to use the benefits you pay a premium to secure.

It’s not always easy to understand the different benefits options available, even after you’ve signed up. Smile Generation-trusted offices have a full-time, trained Benefits Coordinator who can help with this. We’ll also be able to help you sort out the differences between a Flexible Spending Account (FSA) or Health Savings Account (HSA). Don’t have dental benefits but still need some dental work done? Don’t worry! The Smile Generation® has a plan to help with that, too.


The main thing to remember is that both FSAs and HSAs allow you to stock away pretax dollars for any medical expenses. By automatically putting money into either your FSA or HSA, you save by reducing your taxable income.


To be eligible for an HSA, you must sign up with a high-deductible plan. You can use your HSA funds for any medical expenses (or pay a fee for a non-medical expense), and you’ll never lose your money even if you’re no longer contributing to the account. Sometimes, your employer will incentivize you to open an HSA account by contributing to it, too.


FSAs are affiliated with higher premiums and lower deductibles than HSAs. You can’t contribute as much money into the FSA account as you can with an HSA, and while portions of an FSA may roll over, some will not. So unlike an HSA, you need to maximize the money you have in the account before it expires! When you have a good idea of how much money to set aside every year for medical expenses, an FSA is a good choice. Some employers offer a limited purpose FSA when they don’t offer dental or vision insurance as a way to help their employees save a little money.

Bottom Line

In short—an HSA offers more flexibility in that you never lose your money and can contribute more into it. An FSA is geared toward those who know more precisely how much they want to put in since only a portion will roll over every year. Both HSAs and FSAs are accessed with a debit card and offer pretax savings.

Additionally, there are other ways you can save money on your dental costs. The most important thing, of course, is to actually take advantage of your insurance benefits before they expire.

Financial Plans

Need dental treatment, but don’t have dental insurance? The Smile Generation actually offers two budget-friendly options that can help you save on dental treatments you need even if you don’t have dental insurance.

The My Smile Dental Plan™ is a discount dental plan that offers generous discounts on dental treatments. Some procedures like exams and X-rays are also offered for free. Members pay only one fee for the entire year, and there is no monthly premium.

My Smile Dental Plan

Smile Generation Financial  helps to significantly lower dental bills through affordable monthly payments.

To find a Smile Generation-trusted dentist near you or learn more about My Smile Dental Plan or Smile Generation Financial, visit

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