The clock is ticking, and your dental insurance benefits won’t last forever. Most dental insurance plans reset on December 31st, meaning any unused benefits you’ve been paying for all year vanish. If you want to maximize your dental benefits before expiration, now’s the time to act. You’ve already paid those premiums month after month, so why leave money on the table?
At Midtown Dental Care, we see this happen way too often. Patients realize too late that they could have gotten that crown fixed, those wisdom teeth removed, or finally addressed that nagging tooth pain without paying full price. The good news? You still have time to use what’s rightfully yours.
Why December Matters for Your Dental Coverage
Here’s something most people don’t think about until it’s too late. Your dental insurance operates on an annual maximum, usually between $1,000 and $2,000, depending on your plan. Once January 1st rolls around, that unused portion doesn’t roll over. It just disappears. Gone. Like it never existed.
Think about it this way. If you’ve only used $500 of a $1,500 annual maximum, you’re leaving $1,000 behind. That’s real money that could go toward treatments you actually need. Plus, many plans have already covered your deductible by this point in the year, so your out-of-pocket costs are even lower right now than in January when everything resets.
How to Maximize Your Dental Benefits Before Year-End
Schedule a comprehensive exam. The team at Midtown Dental Care can identify any issues that need attention before your benefits expire. Dr. Laura Russell, Dr. AnnMarie Hoyme, Dr. Karla Schmidt, and Dr. Mark Crego bring unique expertise to the practice, which means you’re getting top-notch care no matter what treatment you need.
Address postponed treatments. Remember that filling you’ve been putting off? Or you’ve considered upgrading your smile but kept pushing it down the priority list. December is your chance to get these things done while your insurance helps cover the cost.
Consider preventive care. Most insurance plans cover cleanings and exams at 100%. If you haven’t had your second cleaning this year, you’re literally wasting free dental care. These appointments help catch small problems before they become expensive emergencies.
Beyond Insurance: Your Membership Club Option
Not everyone has traditional dental insurance, and that’s okay. Midtown Dental Care offers a Membership Club for patients who want quality care without the insurance hassle. This program helps you access the treatments you need at rates that make sense for your budget, and it doesn’t disappear at the end of the year like traditional benefits do.
Treatments Worth Prioritizing Now
Some dental procedures make more sense to schedule before your benefits reset. Here’s what patients at Midtown Dental Care often prioritize:
Cosmetic enhancements. Dr. Laura Russell specializes in no-prep veneer treatments that transform smiles without extensive tooth preparation. While insurance might not cover purely cosmetic work, using your remaining benefits for any necessary prep work or related treatments helps reduce your total investment.
Restorative work. Crowns, bridges, and fillings often fall into that sweet spot where insurance covers a significant portion. Doing these now means you maximize your dental benefits instead of paying more out of pocket next year.
Pediatric dentistry. If you have kids, Dr. AnnMarie Hoyme provides exceptional care that puts young patients at ease. Children’s dental health shouldn’t wait, and your family’s unused benefits can cover important treatments like sealants, fluoride applications, or necessary fillings.
What Sets Midtown Dental Care Apart
Choosing where to use your dental benefits matters just as much as when. The experience you get at Midtown Dental Care goes beyond just fixing teeth. Dr. Karla Schmidt and Dr. Mark Crego work alongside Dr. Russell and Dr. Hoyme to create a practice that listens to patients and develops treatment plans that fit real life, not just textbook scenarios.
The practice philosophy centers on building relationships, not just filling appointment slots. When you walk in, the team knows your name, remembers your last visit, and genuinely cares about your oral health journey. What sets this practice apart isn’t fancy equipment or trendy marketing buzzwords. It’s the commitment to treating every patient like family.
The Full Range of Services Available
Whether you need a routine cleaning or something more complex, the comprehensive dental services at Midtown Dental Care cover everything under one roof. This convenience means you won’t get bounced around to different specialists in different locations. Your care stays coordinated, your records remain in one place, and your treatment plan stays consistent.
Take Action Before Time Runs Out
December fills up fast at dental offices everywhere. Patients suddenly remember their expiring benefits and scramble to book appointments. Don’t wait until the last minute to find out the schedule is completely packed and you’ve missed your window.
Check your remaining benefits now. Call your insurance company or look at your explanation of benefits from your last dental visit. Once you know what you have left, the decision becomes simple. Use it or lose it.Contact Midtown Dental Care today to schedule your appointment and ensure you maximize your dental benefits before December 31st. Your smile deserves the investment, and your wallet deserves to get what you’ve already paid for. The team is ready to help you maximize your remaining coverage and end the year with a healthier, happier smile.
