Don’t Miss Out: Use Your Dental Insurance Benefits Before the Year Ends
As the year comes to an end, many people don’t realize that their dental insurance benefits are about to expire. Most dental insurance plans work on a calendar-year basis, which means any unused benefits are usually reset on January 1. If you don’t use them in time, you lose them — no rollovers, no refunds. This makes the final months of the year one of the most important times to focus on your oral health.
At Stonebrook Dental in Sacramento CA, we encourage patients to review their insurance benefits now and schedule needed care before those valuable dollars disappear.
How Dental Insurance Resets Each Year
Dental insurance plans typically include an annual maximum, which is the total amount your plan will pay toward dental care in one year. If you haven’t used all of it, the remaining balance does not carry forward. In addition, many plans also reset your deductible at the start of the New Year, meaning you may have to pay it again before coverage applies.
By completing treatment before December 31, you can often save money and avoid delaying necessary dental care into the next year.
Schedule Preventive Dental Care before it’s Too Late
Preventive dental services are one of the easiest ways to use your insurance benefits effectively. Most plans fully or mostly cover:
Even if you feel your teeth are healthy, routine visits help catch small issues early, before they turn into painful and expensive problems. If it has been more than six months since your last cleaning, now is the ideal time to schedule an appointment.
Finish Recommended Dental Treatments
Have you been postponing dental work such as fillings, crowns, or gum treatment? Year-end is the perfect time to complete those treatments while your benefits are still available. Waiting too long can allow dental issues to worsen, leading to more complex procedures and higher costs in the future.
Using your insurance before it resets helps reduce out-of-pocket expenses and keeps your smile healthy going into the New Year.
Use Your FSA or HSA Funds Wisely
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), these funds are often eligible for dental treatments. FSAs in particular may expire at the end of the year if not used. Applying these funds toward dental care now can help you avoid losing money you’ve already set aside.
Our team at Stonebrook Dental can help you understand how to apply your benefits and plan treatment accordingly.
Plan Ahead for Larger Dental Procedures
For patients who need more extensive dental care, such as crowns, periodontal treatment, or restorative work, proper timing can make a big difference? In some cases, completing part of a treatment plan before year-end and finishing the rest after benefits reset can help maximize coverage across two years.
A personalized consultation allows us to create a treatment schedule that supports both your oral health and your insurance benefits.
Book Early — Appointments Fill Fast
The end of the year is one of the busiest times for dental offices. Many patients try to schedule appointments at the last minute, and availability can fill quickly. Booking early ensures you don’t miss the opportunity to use your benefits while you still can.
Schedule Your Appointment at Stonebrook Dental Today
Don’t let your dental insurance benefits go unused. Whether you need a cleaning, exam, or have treatment you’ve been delaying, now is the time to act.
📞 Call Stonebrook Dental today or request an appointment online to use your dental insurance benefits before the year ends. Our friendly team