Dental insurance is unique because your benefits will expire if you don’t use your dental benefits by the end of the year. For many patients, the end of the year coincides with holiday time off from work or school. Take advantage of your Thanksgiving and winter holiday free time by getting the most out of your soon-to-expire dental benefits. As long as you schedule your treatment before the benefits lapse, you can apply the credit from a flexible spending account (FSA) or healthcare savings account (HSA) to the copayment for your procedure.