December is busy, but it is also one of the smartest months to start orthodontic treatment. Many families in Purcellville and western Loudoun County have benefits that reset on January 1. Starting before the year ends can put those dollars to work instead of letting them disappear.
Flexible Spending Accounts (FSA)
Orthodontic treatment is generally an eligible FSA expense. Most FSA funds follow a use it or lose it rule, though some employers offer a short grace period or a small carryover. If you have money left this year, applying it toward a down payment for braces or Spark Clear Aligners is a practical way to use it.
Health Savings Accounts (HSA)
HSA funds roll over year to year, so there is no deadline. Many families still like to plan treatment now, especially if they are setting next year's contribution amount.
Ask your HR team or plan administrator three things: your remaining FSA balance, whether your plan has a grace period, and when your dental insurance year resets.
Dental Insurance With Orthodontic Coverage
Many dental plans include a lifetime orthodontic maximum that is paid out over the course of treatment. Starting sooner means coverage begins sooner. If your family is changing plans in January, starting under your current coverage may help. Our team will check your benefits and explain exactly what to expect.
Winter Break Is a Great Time to Start
For students, the weeks around winter break mean fewer missed classes, and the first few days of adjustment happen at home. Dr. Minh Nguyen and Dr. Tamana Spingher see kids, teens, and adults from Leesburg, Round Hill, Hamilton, Waterford, Lincoln, Brunswick MD, and Charles Town WV.
A consultation is still worth it. You will leave with a treatment plan and cost estimate to budget next year's FSA contribution.
Call Excelsior Orthodontics at (540) 579-4055 or visit excelsiororthodontics.com to schedule a consultation with Dr. Minh or Dr. Spingher before the year ends.
