Most patients don’t realize how much value disappears when their dental insurance resets on December 31. Whether you rely on Delta Dental or another provider, unused dental benefits rarely roll over—and that means cleanings, exams, and even restorative care you’ve already paid for could be lost. At Degenhardt Dental in Troy, our outstanding team helps patients understand their dental insurance so they can make wise, cost-effective decisions before the year ends.
The “Use It or Lose It” Reality: Why Benefits Expire
Dental plans operate on a strict calendar year. Once January 1 arrives, your annual maximum resets, and any unused funds vanish. Because preventive care is typically covered at or near 100%, skipping visits means missing out on services designed to prevent bigger issues and bigger bills in the future.
Start with the Basics: Preventive Care Saves Money
Most plans, including Delta Dental, cover two cleanings per year. If you haven’t scheduled your second one, now is the time. Cleanings, exams, and x-rays not only keep your mouth healthy but also help identify minor concerns early, when treatment is more straightforward and more affordable.
Strategic Scheduling: Making Your Maximum Work for You
If you’ve already met your deductible, completing recommended fillings, crowns, or periodontal therapy before December 31 reduces your out-of-pocket costs. Using this year’s remaining annual maximum, rather than losing it, can make a noticeable financial difference.
Delta Dental Spotlight: Know Your Plan and Resources
Staying in-network with providers like Degenhardt Dental ensures you receive the highest level of care at the lowest out-of-pocket cost. If you’re unsure what you have left in your plan, Delta Dental’s member portal offers up-to-date benefit tracking, cost estimates, and eligibility details.
Plan Ahead for Next Year
Even if December is tight, planning early for 2026 and scheduling cleanings now helps now and in the future. Reviewing your benefits before January and mapping out recommended care can help you avoid missing valuable coverage for another year.
Comfortable, Cost-Effective Dental Care in Troy, MI
If you’re in Troy and want to learn more about maximizing your dental insurance benefits and their many advantages, contact the caring and skilled Degenhardt Dental team to schedule a consultation.