As the year winds down, it’s easy to focus on holiday plans and New Year’s resolutions — but there’s one more thing worth adding to your end-of-year checklist: your dental insurance benefits.
January 1st marks the reset date for most dental insurance plans. Any benefits you haven’t used by December 31st simply disappear. That means you could be missing out on fully covered or partially covered treatments you’ve already paid for through your premiums.
What “Use It or Lose It” Really Means
Dental insurance typically provides a yearly allowance for restorative and preventive care, such as:
- Routine cleanings and checkups to keep your mouth healthy
- Fluoride treatments to protect against cavities
- X-rays for early detection of hidden issues
- Sealants and fillings to treat or prevent decay
- Bridges, Crowns, and other restorative work if needed
When the clock strikes midnight on December 31st, any unused coverage usually resets — with no rollover to the next year. That means waiting too long could cost you more out-of-pocket later.
Taking advantage of your remaining benefits now is a smart way to protect both your oral health and your wallet.

Why Acting Now Matters for Your Smile
The end of the year is the perfect time to make your oral health a priority. Here’s why booking your dental visit before the year ends is a smart move:
1. Get the Full Value of Your Dental Benefits
You invest in dental coverage all year — don’t let it go to waste! Taking advantage of your benefits now means you’re not letting prepaid care go to waste.
2. Stop Small Problems Before They Grow
Regular exams and cleanings help catch issues early. What might be a quick filling today could become a crown or even more problematic if left untreated. Addressing issues early helps you avoid extra costs and pain in the future.
3. Use This Year’s Deductible to Your Advantage
If you have already met your deductible, this is the best time to complete any recommended treatment. In January, your deductible resets — meaning you’d have to pay more out of pocket for the same procedure.
4. Beat the Year-End Appointment Rush
Dental offices get busy as December approaches. Scheduling now gives you more options and ensures you’re seen before the calendar — and your benefits — reset.
What Your Dental Insurance Typically Covers
Dental insurance isn’t just there for emergencies — it’s designed to keep your smile healthy all year long. Most plans include three main categories of coverage: preventive, basic, and major services.
Preventive Care: Your First Line of Defense
Preventive services are usually covered at 100%, meaning there’s no extra cost to you. These visits focus on protecting your oral health and catching problems early, and often include:
- Dental exams to check for oral cancer, cavities, gum disease and other concerns
- Professional cleanings to remove plaque and tartar buildup
- X-rays to identify issues that aren’t visible to the naked eye
- Fluoride treatments to strengthen enamel and prevent decay
By taking advantage of these fully covered services, you’re not only getting the most out of your insurance benefits — you’re also reducing the risk of needing more expensive procedures in the future.
Understanding Basic and Major Dental Treatments — and How to Maximize Your Benefits
Dental insurance is designed to make oral health care more affordable — but only if you use it! Here’s how coverage typically works and how you can make the most of it before the year ends.
Basic Dental Treatments: Small Fixes, Big Impact
Basic services usually include fillings, sealants, and simple extractions, and they’re often covered at 70–80%. Taking care of cavities or minor damage early is vital — waiting can turn a small problem into a costly (and painful) one.
Major Dental Treatments: Essential Restorations
Major procedures like crowns, bridges, dentures, and root canals are generally covered at around 50% by most dental plans. If you have been putting off treatment, now is a great time to act — before your benefits reset on January 1st.
How to Get the Most Out of Your Dental Insurance
Here are four practical ways to stretch your benefits and protect your oral health:
1. Review Your Plan
Check your insurance details, including your annual maximum and deductible. Any unused benefits mean you’re missing out on care you’ve already paid for.
2. Schedule Early
Dental offices fill up quickly toward the end of the year. Book your cleaning or treatment now to secure a time that works for you.
3. Strategically Plan Treatments
For extensive dental work — like crowns, implants, or orthodontics — consider spreading treatment across two calendar years. This way, you can use this year’s benefits and next year’s for maximum coverage.
4. Prioritize Preventive Care
Routine exams and cleanings are typically covered at 100% and help detect issues before they worsen. Haven’t been in for six months? Schedule your visit today
Don’t Let Your Benefits Go Unused
The end of the year is the perfect time to invest in your smile. Whether you’re due for a cleaning or need a more involved procedure, scheduling before December 31st ensures you get the most out of your plan, save money, and start the new year with a healthy mouth.
Your dental benefits are there to help you — but only if you use them. Call A Great Smile Dental, your Las Vegas dental office today to book your appointment and make the most of your 2025 coverage!