What Dental Treatments Can You Use Your Insurance For Before December 31st?

As the end of the year approaches, many people know they should use their dental benefits—but aren’t exactly sure what those benefits can be used for. The good news is that most dental insurance plans cover a wide range of treatments, and any unused benefits typically reset on January 1st.

If you still have benefits remaining, now is the time to take advantage of them. Here’s a clear breakdown of the most common dental treatments you may be able to use your insurance for before December 31st.

Preventive Care: Often Covered at Little to No Cost

Most dental insurance plans are designed to encourage preventive care, which means these services are commonly covered at 100% or close to it.

Preventive treatments often include:

• Routine dental exams
• Professional cleanings
• Dental X-rays
• Oral cancer screenings

Even if your teeth feel fine, preventive visits can catch issues early—before they turn into more expensive problems next year.

Restorative Treatments Commonly Covered by Insurance

If you’ve been putting off treatment due to cost or time, year-end benefits can help offset expenses for restorative care.

Insurance often helps cover:

• Fillings
• Crowns
• Treatment for cracked or damaged teeth
• Gum therapy for early periodontal issues

Many plans cover a percentage of these services after your deductible is met, making now an ideal time to move forward if treatment has already been recommended.

Gum Health and Periodontal Care

Gum disease is one of the most common dental issues—and insurance frequently contributes toward treatment.

Depending on your plan, coverage may apply to:

• Deep cleanings
• Periodontal maintenance
• Ongoing gum therapy

Addressing gum health before year-end can help protect both your oral health and your wallet.

Orthodontic and Smile-Enhancing Treatments

Some dental plans offer partial coverage for orthodontic care or other smile-enhancing treatments.

In certain cases, insurance may help with:

• Clear aligner treatment
• Orthodontic evaluations
• Repairs or adjustments

Coverage varies by plan, but unused benefits may still apply—especially if treatment is started before December 31st.

Why Timing Matters at the End of the Year

Dental insurance benefits are typically “use it or lose it.” If you don’t use them by December 31st:

• Remaining benefits usually expire
• Annual maximums reset
• Deductibles often start over

Scheduling now helps ensure there’s enough time for exams, insurance approvals, and treatment before benefits reset.

Every Plan Is Different—But Waiting Can Cost You

Coverage levels vary by insurance provider, which is why reviewing your benefits now is so important. A quick check can help you understand:

• What services are covered
• How much of your annual maximum remains
• Which treatments make the most sense to complete this year

Putting it off could mean paying more out of pocket in the new year.

Make the Most of Your Dental Benefits Before They Expire

If you have dental insurance, you’ve already paid for these benefits—now is the time to use them. Whether you’re due for a cleaning or have treatment you’ve been postponing, scheduling before December 31st can help you start the new year with a healthier smile and fewer dental concerns.

If you’re unsure what your insurance covers or how much you have left, our team is happy to help review your benefits and guide you through your options. Appointments fill quickly at the end of the year, so scheduling sooner rather than later can make all the difference.