Use It or Lose It: Maximize Your Dental Insurance Benefits Before the Year Ends
As the end of the year approaches, your to-do list may be growing—but here’s one essential task that should not be overlooked: using your dental insurance benefits before they expire. At Premier Dentistry, we want to help you maximize the benefits of your plan while ensuring your smile remains healthy and beautiful.
Most dental insurance plans reset on January 1st, which means any unused benefits from 2025 will be lost. If you’ve been postponing a cleaning, crown, or necessary treatment, now is the time to schedule it. Keep reading to learn how you can maximize your plan and avoid losing valuable coverage.
Why Dental Insurance Benefits Expire Annually
Most insurance plans operate on a calendar-year basis. This means that your annual maximum, deductible, and coverage allowances are refreshed every January. If you don’t use what you’re entitled to by December 31, that money goes back to the insurance company.
Here are three key things to know:
- Annual Maximum: The typical plan allows for $1,000 to $1,500 in coverage per year.
- Deductibles Reset: If you’ve already met your deductible, now is the time to schedule additional work.
- FSA Accounts Expire Too: Flexible Spending Accounts (FSAs) often expire at the end of the year or offer limited grace periods.
This “use it or lose it” structure creates a financial urgency for patients who want to avoid out-of-pocket expenses for necessary dental work.
Standard Procedures Covered by Most Insurance Plans
Dental benefits can be used for more than just cleanings. Many plans cover essential preventive and restorative procedures that can save you discomfort, time, and money in the long run.
Here are some of the most commonly covered services:
- Routine Exams & Cleanings: Typically covered 100% up to two times per year
- Dental Fillings: Often 70% to 80% covered, depending on your plan
- Crowns & Root Canals: Major procedures like these are usually 50% covered
- X-rays: Bitewing or panoramic x-rays are often included in preventive care
If you’ve delayed a needed crown, filling, or root canal, this is your opportunity to get it done affordably. Learn more about our dental crowns and root canal services.
Plan Ahead: Appointment Slots Fill Quickly
Every year, we see a surge in patients trying to fit in last-minute appointments before their benefits reset. To make sure you secure the time and care you need, we strongly encourage early scheduling.
Here’s how to stay ahead:
- Call or book online by mid-November for maximum availability
- Prioritize treatments already discussed in your exam.
- Ask us to help verify your insurance coverage and remaining benefits.
Need help understanding your insurance? Visit our Insurance Info page for guidance.
No Insurance? Consider Our PremierCare Savings Plan
If you’re without insurance or have used up your benefits for the year, Premier Dentistry offers an in-house solution. Our PremierCare Savings Plan provides affordable preventive care and discounts on treatments.
Benefits include:
- Two cleanings and exams annually
- One emergency exam per year
- Discounts on fillings, crowns, and more
- No waiting periods or annual maximums
It’s an excellent option for families, retirees, and anyone looking for consistent, affordable dental care in Charlotte.
Make the Most of Your Investment in Oral Health
Your dental insurance is part of your overall health investment. Ignoring it could mean missing out on hundreds of dollars in benefits, not to mention the long-term risks of untreated dental issues.
By addressing dental needs now, you:
- Prevent more serious and costly problems later
- Reduce the need for emergency treatment.
- Maintain better overall health (oral health impacts heart health, diabetes, etc.)
- Make clever use of your insurance premium.s
Understanding your coverage and taking action before the deadline enables you to save money while prioritizing your health.
Review our Financial Policy for more details on payments and financing options.
Ready to Book Before the Year Ends?
Don’t let your 2025 dental benefits slip away. Premier Dentistry is here to guide you through every step of the process. Whether you need a checkup, a filling, or something more complex, our friendly dental team in Charlotte is ready to help.
Call today at (704) 544-8860 or book your appointment online.
Frequently Asked Questions
What happens if I don’t use my dental insurance benefits before the year ends?
Most plans operate on a “use it or lose it” basis. If unused, your benefits typically expire on December 31, and you won’t be reimbursed or credited for unused coverage.
Can I schedule multiple treatments before my benefits reset?
Yes, and it’s often a smart financial move. If your deductible has already been met, completing pending treatments now can save money.
What if I don’t have insurance?
We offer the PremierCare Savings Plan, a membership-based program that provides routine care and discounts on other treatments for one low annual fee.
