Did you know most dental insurance benefits reset every January, meaning unused coverage simply disappears? Discover which treatments to prioritize before your plan expires so you get the most from what you have already paid for.
Making the Most of Your Dental Insurance Benefits
Dental insurance helps cover the cost of keeping your smile healthy. It pays toward routine care and reduces what you pay out of pocket when you need treatment.
Who It’s For
This is a great option for individuals, families, seniors, and employees who want predictable dental costs and consistent care.
What You Get
- Preventive care like cleanings and checkups, often mostly covered
- Lower costs on fillings, crowns, and other common treatments
- Predictable monthly premiums so you can plan ahead
- Potential coverage for orthodontics or major work
How It Works
You choose a plan and pay a monthly premium. Routine visits are largely covered, while other treatments are split between you and your insurer through copays or coinsurance. Think of it like a membership that rewards you for staying on top of regular care.
Using in-network dentists typically keeps your costs lower. If you are unsure which plan fits your needs, we encourage you to speak with a benefits specialist or ask us to review your coverage before treatment.
Make the Most of Your Dental Insurance Benefits Before They Expire
Most dental insurance plans reset on January 1, and any unused benefits simply disappear. That means if you have coverage left, now is the time to use it. Here are the key treatments to consider scheduling before your plan expires.
Treatments to Prioritize
- Routine cleanings and exams: Most plans cover two visits per year, so make sure you have used both.
- X-rays: Diagnostic imaging is typically covered annually and helps catch issues early.
- Fillings: If you have a small cavity, treating it now prevents a more costly procedure later.
- Crowns or restorations: If your dentist has recommended one, your remaining annual maximum can significantly reduce your out-of-pocket costs. Learn more about dental crowns.
- Periodontal treatment: Gum disease therapy is often partially covered and should not be delayed.
| Treatment | Coverage Category | Typical Insurance Coverage | Your Estimated Cost |
|---|---|---|---|
| Routine Cleanings & Exams | Preventive | Up to 100% | 0–20 |
| X-Rays | Preventive/Diagnostic | Up to 100% | 0–30 |
| Fillings | Basic Restorative | 70–80% | 20–30% of cost |
| Crowns & Restorations | Major Restorative | 50% | 50% of cost |
| Periodontal Treatment | Basic/Major Restorative | 50–80% | 20–50% of cost |
We encourage you to review your current coverage and check how much of your annual maximum remains. Scheduling before your benefits reset means you are getting real value from what you have already paid into your plan.
We Handle Your Dental Insurance So You Don’t Have To
At The Silverstrom Group, we believe that navigating dental insurance should never stand in the way of getting the care you need. That’s why we offer dental insurance benefits as a service to our patients.
We work directly with your insurance provider to make the process as smooth and stress-free as possible. Our goal is to help you get the most out of your coverage so you can focus on your smile, not the paperwork.
What Patients Are Saying
Patients consistently praise The Silverstrom Group for its exceptional care and welcoming atmosphere. From front desk staff to hygienists, every team member receives high marks. Doctors Gary and Tran are recognized for their thoroughness and compassion, with spotless facilities completing the experience.
With a staff that feels like family and amenities like Netflix and Bose headphones, it is easy to see why patients return year after year. One reviewer even described it as a “dental spa” experience.
A recent patient captured this perfectly, sharing that the office delivers “such a thorough, professional, clean and comfortable experience” across everything from implants to routine cleanings.
Rated 5 stars, one review states: “I am SO grateful I found this dental office, it’s always a great experience to go.” Read their full story.
Frequently Asked Questions About Dental Insurance Benefits
What happens to my dental insurance benefits if I don’t use them before the end of the year?
Most dental insurance plans reset on January 1, and any unused benefits disappear completely. That means the coverage you have already paid into simply goes to waste if you do not schedule treatment before your plan expires. At The Silverstrom Group, we encourage you to check your remaining annual maximum and book appointments before the year ends. You can also explore your dental coverage options to better understand your plan details.
Which dental treatments should I prioritize before my insurance resets?
You should focus on routine cleanings, exams, and x-rays first since these are typically covered up to 100 percent. If your dentist has recommended fillings, crowns, or periodontal treatment, scheduling those before your benefits reset can significantly reduce what you pay out of pocket.
How much does dental insurance typically cover for fillings and crowns?
Fillings are usually covered at 70 to 80 percent, leaving you responsible for roughly 20 to 30 percent of the cost. Crowns fall under major restorative care and are typically covered at 50 percent, meaning you and your insurance split the cost evenly.
Does dental insurance cover periodontal or gum disease treatment?
Yes, periodontal treatment is often partially covered, typically between 50 and 80 percent depending on your plan. At The Silverstrom Group, we recommend you not delay gum disease therapy since it can progress quickly and become more costly to treat over time. The American Academy of Periodontology offers additional resources on the diagnosis and treatment of gum disease.
Can The Silverstrom Group help me understand and use my dental insurance benefits?
Absolutely. At The Silverstrom Group, we work directly with your insurance provider to make the process as smooth as possible. We handle the details so you can focus on your smile rather than sorting through paperwork and coverage questions on your own. Contact us today to get started.
Make the Most of Your Benefits
At The Silverstrom Group, we make it easy to use your remaining dental insurance benefits before they expire. Call us or schedule online today to plan the treatments that will protect your smile and your investment.
Recent Comments