The clock is ticking on your 2025 dental insurance benefits! You’ve been paying premiums all year, but are you taking full advantage of the coverage you’ve invested in? Once the calendar flips to January 1st, those unused benefits simply vanish.
Dental Insurance's "Use It or Lose It" Reality
Unlike health savings accounts, your annual maximum doesn't carry over. If your plan provides $1,500 in coverage and you've only used $300, that remaining $1,200 disappears on New Year's Day. You've paid for it, but if you don't use it, you lose it.
Most dental plans also reset your deductible in January, meaning you'll start from zero again regardless of what you've already paid this year.
Don't Miss Out on Free Preventive Dental Care
Most insurance plans cover two cleanings and exams per year at 100 percent with no copay or deductible. If you haven't had both of your 2025 appointments, you're leaving money on the table. These visits are crucial. Yes, they help prevent cavities and gum disease, but also enable your dentist to catch minor problems before they turn into painful, expensive emergencies.
Small Problems Become Big Expenses
Putting off that recommended filling or crown? Dental problems don't improve with time. That minor cavity could require a root canal and crown next year, costing significantly more even with insurance coverage. Addressing issues now while you have benefits remaining makes financial sense.
December Appointments Fill Up Fast!
You're not the only one trying to maximize year-end benefits. Dr. Schmitt's schedule in Brentwood, TN, fills quickly as patients rush to book appointments before the deadline. Waiting until late December could mean missing out entirely.
Ready to make the most of your 2025 dental benefits? Contact Haley E. Schmitt DDS today to schedule your appointment and use the coverage you've already paid for before it resets in January.