Use It or Lose It: Make the Most of Your 2025 Dental Benefits Before They Expire

As 2025 winds down, it’s time to take a closer look at your dental insurance benefits. Many people don’t realize that most dental plans run on a calendar-year schedule, meaning your benefits will expire on December 31. If you haven’t used them, you’ll lose them when the new year begins.

At Rush Family Dental, we don’t want your hard-earned benefits to go to waste. Whether you need a cleaning, filling, or a complete smile restoration, now is the perfect time to schedule your appointment and make sure you’re getting the most value from your plan before the year ends.

Why Dental Benefits Expire Each Year

Most dental insurance plans, including Delta Dental Premier, all PPO plans, and the new Medicare Delta PPO dental insurance, will reset annually. This means that any unused benefits, deductible payments, or remaining coverage allowances do not carry over to the next year.

If you’ve already paid your premiums throughout the year, those benefits belong to you. But if you don’t use them, that money essentially disappears. For example, if your plan covers up to $1,500 per year and you’ve only used $400, you’re leaving $1,100 worth of dental care on the table.

Take Advantage of Your Benefits Before They Expire

Here’s how you can make the most of your insurance coverage before year’s end:

• Book Your Preventive Visit: Most insurance plans fully cover cleanings, exams, and X-rays. These visits help maintain your oral health and prevent costly issues later.
• Complete Recommended Treatments: If you’ve delayed fillings, crowns, or root canal therapy, finishing them now can save you money.
• Plan for Major Work Early: Start multi-visit procedures like implants, dentures, or bridges before December 31 to split costs between 2025 and 2026 coverage periods.
• Use Your Deductible: If you’ve already met your deductible, additional procedures this year could cost significantly less.
• Verify Coverage: Our friendly staff can review your insurance details and help you understand how your Delta Dental Premier, PPO, or Medicare Delta PPO plan applies to your upcoming treatment.

Frequently Asked Questions About End-of-Year Dental Benefits

1. What happens if I don’t use all my dental insurance benefits?
If you don’t use your dental benefits before December 31, they typically expire. Any unused annual maximums, deductibles, or coverage allowances will reset, and you’ll lose the remaining value.

2. Which dental insurance plans does Rush Family Dental accept?
We are in-network with Delta Dental Premier, all PPO plans, and the new Medicare Delta PPO dental insurance. Our team can confirm your benefits before treatment so you know exactly what’s covered.

3. Does dental insurance cover routine cleanings and exams?
Yes! Most dental insurance plans fully cover preventive care such as cleanings, exams, and X-rays, usually twice per year. These visits are a great way to use your benefits and prevent bigger dental problems later.

4. Can I schedule treatment now but complete it next year?
In some cases, yes. For multi-step procedures, we can help you plan your care strategically so part of the treatment is billed in 2025 and the rest in 2026 to help you maximize both years’ benefits.

5. Does Medicare Delta PPO dental insurance cover major procedures?
Coverage varies by plan, but the new Medicare Delta PPO dental insurance often includes benefits for preventive, basic, and some major restorative services. Our front desk team can review your specific coverage details.

6. How do I schedule before the year ends?
Simply call Rush Family Dental or request an appointment online. We’ll help you find a time that works best for you and make sure your remaining 2025 benefits are put to good use.

Rush Family Dental Is Here to Help

We’re proud to be in-network with Delta Dental Premier, all PPO plans, and the new Medicare Delta PPO dental insurance. Our team will help you maximize your remaining benefits, file your claims, and make the process simple and stress-free.Appointments fill up quickly as the holidays approach, so don’t wait until December to call. Schedule your visit today and start the new year with a healthy, confident smile!