Your Year-End Dental Benefits Checklist

Before December 31, take five minutes to check what's left on your dental plan. Most plans reset on January 1, and unused coverage generally doesn't carry into the new year. A quick look now can turn money you've already paid in premiums into a cleaning, a filling, or treatment you've been meaning to get to.

Work through this list, then give us a call.

1. Have I had both of my cleanings this year?

Many plans cover two cleanings and exams per year, and preventive care is usually covered at the highest level. If you're missing one, it's likely already paid for. See what's included in a cleaning and checkup.

2. How much of my annual maximum is left?

Your annual maximum is the most your plan pays in a year, often in the $1,000 to $2,000 range. Your insurer's website or app usually shows how much you've used. Whatever remains on December 31 typically resets to the full amount, with nothing extra added for the year you skipped.

3. Is there treatment I've been putting off?

Think back to your last visit. Was there a cavity to fill, a filling to replace, or a crown recommended? Doing it now uses this year's coverage, and it's usually simpler and less expensive than waiting for a small problem to grow. Learn more about fillings.

4. Have I met my deductible?

If you've had dental work this year, your deductible may already be paid. It resets in January, so care before then can lower what you owe.

5. Do I have FSA money to spend?

Flexible spending account balances are often lost at year end unless your employer offers a grace period or carryover. Dental care is an eligible expense.

Which plans does Toledo Dental Team accept?

We accept most major dental plans, including Delta Dental, Cigna, Guardian, MetLife and the GEHA Connection Dental Network. We do not accept Medicaid. If you're not sure what your plan covers, our team is happy to help you understand your benefits. No insurance? Ask about our in-house options and financing.

Haven't been in a while?

You're in good company. Many of our new patients have put off care for one reason or another, and we'll meet you where you are, no judgment. Here's what your first visit looks like.

Book before the rush

December is a busy month at the dentist, so earlier is better. Toledo Dental Team on Monroe Street sees patients from Toledo, Sylvania, Ottawa Hills, Maumee, Perrysburg and across northwest Ohio. Book online or call (419) 475-6554.

Quick answers

Will my dental benefits roll over?

Usually not. Most plans start fresh on January 1. A few offer rollover, so check your plan details.

Does every plan reset in January?

Most do. Some employer plans follow a different 12-month cycle.

Can I use my HSA?

Yes. HSA money doesn't expire, so there's no year-end deadline for it.