The end of the year is busy. Holiday plans, travel, and work deadlines fill your calendar fast. But there is one deadline you may be missing: your dental insurance benefits. If your plan resets on January 1, any unused dental benefits will disappear at year-end.
Do Unused Dental Benefits Roll Over to Next Year?
In most cases, no. Most dental plans run on a calendar year, so anything you do not use by December 31 is gone. Some plans follow a different benefit year, so check your plan details to know your reset date.
What Is an Annual Maximum?
Your annual maximum is the most your plan will pay for your dental care in one benefit year. If you have not reached it, you are leaving behind coverage you already paid for through your premiums.
Don't Forget Your FSA
If you have a Flexible Spending Account (FSA) through work, a similar rule applies. According to HealthCare.gov, you generally must use FSA funds within the plan year. Some employers offer a short grace period or a small carryover, but it is not required. Eligible dental expenses may qualify, so your FSA can help pay for care your insurance does not fully cover.
What Should You Schedule Before Your Benefits Reset?
Your Second Cleaning and Exam
Most plans cover two preventive visits per year, often at little or no cost to you. If you have only had one this year, now is a good time to book your second.
Treatment Your Dentist Already Recommended
Did your dentist recommend a filling, crown, or other care that you put off? Waiting can let a small problem become a bigger, more costly one. Scheduling now lets this year's benefits help with the cost.
How Marysville Family Dentistry Helps You Maximize Your Benefits
We work with most dental insurance plans, including Delta Dental. Our team verifies your coverage, files your claims, and explains your out-of-pocket costs before treatment begins. No insurance? Ask about our Premier Wellness Plan or financing through CareCredit.
Have questions about your dental insurance in Marysville, OH? Call our office to schedule your visit before your benefits reset.