As the year draws to a close, many people overlook one important financial asset: their dental insurance benefits. Every year, millions of Americans leave hundreds of dollars in unused coverage behind. Dental insurance is structured to encourage preventive care and consistent oral health maintenance, but these benefits typically expire at the end of the calendar year. Once January arrives, any remaining funds are gone.

Understanding how to make the most of your plan before it resets can protect your smile and save you money. Whether you have a flexible spending account (FSA), health savings account (HSA), or a traditional dental insurance plan, now is the time to schedule necessary treatments and cleanings. If you’re looking for a dentist in Stafford, VA, acting before the year ends ensures you get the care you’ve already paid for.

Know What Your Plan Covers

Every dental plan is different, but most follow a structure that includes preventive, basic, and major services. Preventive care, such as cleanings, exams, and X-rays, is often fully covered, while fillings, extractions, and crowns may be partially covered. Understanding your policy’s coverage levels and annual maximum is essential to making smart choices.

Review your benefits summary or contact your insurance provider to learn what’s available before your plan resets. Many people are surprised to discover they still have coverage left that could be used for recommended treatments.

Take Advantage of Preventive Care

Preventive appointments are not only fully covered under most plans but are also vital for maintaining oral health. Regular cleanings help remove plaque and tartar buildup, reducing the risk of gum disease, decay, and bad breath.

Dentists can identify early signs of cavities or enamel wear that you might not notice. Using your benefits for preventive visits now can help you avoid costly and painful procedures later.

Complete Outstanding Treatments

If your dentist has recommended follow-up care, such as fillings, crowns, or periodontal therapy, it’s smart to schedule these before the end of the year. Many patients postpone care due to busy schedules or budget concerns, but delaying treatment can lead to complications.

Finishing recommended treatments before your benefits renew allows you to maximize this year’s coverage and avoid paying more out of pocket next year.

Use Your Annual Maximum Before It Resets

Most dental insurance plans include an annual maximum: the total amount the insurance company will pay for your care within a year. This amount typically ranges from $1,000 to $2,000. Once the year ends, the unused portion doesn’t roll over.

If you’ve already met your deductible and have benefits remaining, it’s wise to complete treatments now rather than waiting. You’ve paid for these benefits, so letting them expire means losing potential savings.

Don’t Forget About FSAs and HSAs

Flexible Spending Accounts (FSAs) and some Health Savings Accounts (HSAs) are excellent tools for covering dental expenses, but they often come with “use it or lose it” rules. Funds in an FSA usually expire at the end of the year, or shortly after, depending on your employer’s policy.

Eligible expenses include preventive care, orthodontics, dentures, and other dental treatments. Reviewing your account balance now and scheduling care before the deadline ensures that your hard-earned money doesn’t go unused.

Plan Ahead for Next Year

As you review your 2025 benefits, take the opportunity to evaluate your dental health goals for 2026. If you anticipate orthodontic work, implants, or major restorative procedures, ask your dentist for a treatment timeline.

Spreading treatment across two benefit years can help reduce out-of-pocket expenses while still allowing you to get the care you need. Staying proactive keeps your smile healthy and your budget manageable.

Dental insurance is designed to keep your smile healthy and your costs predictable, but it only works when you use it. As the end of 2025 approaches, check your remaining benefits, schedule any needed appointments, and take advantage of the preventive and restorative care available to you. Preventive visits today can help you avoid major expenses tomorrow.

If you still have unused coverage or an FSA balance, now is the time to act. Don’t wait until the year’s final weeks when appointments fill up quickly. Contact New Smiles Dental, your trusted dentist in Stafford, VA, to schedule your visit and make sure your 2025 benefits don’t go to waste.