When Does Dental Insurance Reset and What to Use Before It Does
Use It Before You Lose It: Your Dental Benefits Reset Soon
The end of the year isn’t just for holiday shopping—it’s the deadline for using your dental insurance benefits. Most dental insurance plans operate on a calendar year, meaning your coverage resets on January 1st. If you haven’t used all your benefits, you may be leaving money behind.
At ESP Dental in Phoenix, we’re here to help you understand your coverage and make the most of your benefits before they expire.
⏳ What Happens When Dental Insurance Resets?
Most dental insurance plans—including many PPOs—provide a set amount of coverage per year. This includes:
A maximum annual benefit (often around $1,000–$2,000)
Covered preventive care (usually 100% for cleanings, exams, x-rays)
Partial coverage for procedures like fillings, crowns, and root canals
But on January 1st, any unused benefits disappear.
That means if you haven’t had your second cleaning… or if you’ve delayed a needed filling… now’s the time to act.
✅ What to Schedule Before January 1st
Here’s what we recommend getting done before your benefits reset:
Routine Cleaning & Exam – Most plans cover two per year at 100%.
Outstanding Treatments – Have you been told you need a filling, crown, or other work? Finish it now while your benefits are still active.
X-Rays or Re-Evaluations – If it’s been over a year, it might be time for updated imaging.
Follow-Up on Prior Issues – Maybe you were watching a tooth with a crack, sensitivity, or decay. Don’t let it turn into an emergency.
💡 Pro Tip: You May Be Able to Split Treatment Across the Year
If you need a crown or series of procedures that cost more than your annual limit, we can often strategically schedule the care so that part is done in December and the rest in January—spreading the cost across two benefit years.
Talk to our front desk team—we’ll work with you and your insurance to build the best plan.
🦷 ESP Dental Makes It Easy
✔️ We work with most PPO dental plans
✔️ We’ll help you understand your remaining benefits
✔️ We offer flexible scheduling to get you in before the deadline
✔️ No insurance? We also offer cash discounts and payment plans
📞 Call Now—Appointments Fill Up Fast in December
Don't wait until it's too late. December is one of the busiest months for dental care as everyone rushes to use their benefits. Let’s make sure you don’t miss out.
📅 Book online now or call us at (602) 266-9659
📍 Visit us at 4008 N 33rd Avenue, Phoenix, AZ
🌐 Learn more at espdental.com
Don’t lose your benefits. Use them now—and head into the new year with a healthier smile.
✨ ESP Dental is here to help.
