Dental insurance is one of those things people tend to forget about—until they really need it. But if you’re not using your benefits before the year ends, you’re probably leaving money on the table. Most dental insurance plans operate on a “use-it-or-lose-it” basis, meaning unused benefits don’t roll over. That’s right—what you don’t use disappears with the calendar year.
If you’ve got a policy, especially something like Dallas Dental Insurance, it’s smart to make the most of it before the clock runs out. Here’s how to put those benefits to good use while you still can.
1. Schedule a Routine Checkup and Cleaning
Don’t underestimate the value of your biannual dental checkups. Most plans cover two cleanings and exams per year at 100%. That’s money you’ve already paid for, so skipping them is like throwing cash away. Cleanings help prevent major issues down the line, and early detection can save you from costly treatments.
If you’ve been holding off, now’s the time to book that appointment—especially if you’re covered under dental insurance in Dallas, Texas, where many dental offices get booked solid toward the end of the year.
2. Take Advantage of Preventive Services
Preventive services like X-rays, fluoride treatments, and sealants are often fully or mostly covered by insurance. These services can help you avoid bigger problems like cavities and gum disease.
Even if your teeth feel fine, it’s worth getting checked. Some issues don’t show symptoms right away, and preventive care catches them early. Best of all, these services are usually quick, painless, and covered—so why not?
3. Plan Ahead for Larger Treatments
Got a filling, crown, or root canal you’ve been putting off? This is the perfect time to start. Many insurance plans come with an annual maximum, often around $1,000 to $2,000. If you haven’t hit that yet, consider scheduling necessary treatments before your benefits reset.
And here’s a pro tip: If your treatment is extensive, ask your dentist if it can be split into two parts—one this year, and one next. That way, you can use this year’s remaining benefits and tap into next year’s as well. This strategy works well with Dallas Dental Insurance plans that have yearly caps.
4. Don’t Forget Your Dependents
Many dental plans cover dependents, but they’re often the last ones we think about. Your kids might be due for sealants, fluoride treatments, or even braces consultations. If your spouse hasn’t been to the dentist in a while, now’s the time to get them in.
Take a quick look at everyone on the plan. If they haven’t maxed out their preventive care, schedule those appointments while you still can. Especially with dental insurance in Dallas, Texas, where demand spikes during the holiday season.
Don’t Let Your Benefits Go to Waste
Dental insurance isn’t just there for emergencies—it’s a tool to help you stay on top of your oral health. But like any tool, it only works if you use it. From routine cleanings to long-overdue procedures, there are plenty of ways to make sure your plan doesn’t go to waste.
So take a moment today to check your coverage, call your dentist, and get those appointments locked in. Whether you have a national policy or something local like Dallas Dental Insurance, using your benefits before they expire could save you hundreds—if not thousands—of dollars.
