We’re nearly two months into the new year, and if you haven’t scheduled your first dental visit of 2026, now’s the perfect time to take action. Most dental insurance benefits reset on January 1st, which means you have a fresh start with your annual maximum, deductible, and available preventive care services. Don’t let another month slip by without making the most of what you’ve already paid for through your premiums.

Understanding Your Dental Insurance Benefits

Many patients don’t realize that dental insurance works differently from medical insurance. Most plans operate on a “use it or lose it” basis, meaning any unused benefits don’t roll over to the next year. Your annual maximum—typically between $1,000 and $2,000—resets each January, giving you a fresh opportunity to address your dental health needs.

When you use your dental benefits wisely, you’re maximizing the investment you make in your oral health throughout the year. Whether you have a PPO, HMO, or another type of plan, understanding your coverage is the first step toward getting the care you need while minimizing out-of-pocket costs.

What Does Dental Insurance Cover?

Most dental insurance plans cover preventive care at 100%, which typically includes:

  • Two cleanings per year
  • Annual X-rays
  • Routine dental check-up and examinations
  • Fluoride treatment for children and sometimes adults

After you meet your deductible, basic procedures like fillings are usually covered at 70-80%, while major procedures such as crowns or bridges are covered at 50%. Your copay will vary depending on whether you visit an in-network dentist or go out-of-network.

What Happens If I Don’t Use My Dental Benefits?

This is the dental insurance reminder you need to hear: unused benefits simply disappear at the end of the year. If you don’t schedule a dental visit, you’re essentially leaving money on the table. Additionally, skipping regular preventive care can lead to more serious—and expensive—problems down the road that may require extensive treatment planning.

Regular cleaning and exam appointments help catch small issues before they become big problems. A cavity detected early might only require a simple filling, but if left untreated, it could progress to require a root canal or crown, significantly increasing your treatment costs.

How to Maximize Your Dental Insurance This Year

Start by scheduling your first appointment early in the year. At Randall K. McVey, DMD, PA, we’ll help you understand your specific coverage and create a treatment plan that works with your insurance benefits. Dr. Randall K. McVey, DMD, FAGD, and our team can verify your benefits and explain what’s covered under your plan.

Here are some tips to make the most of your coverage:

  • Schedule both of your preventive visits early in the year to avoid the end-of-year rush
  • Ask about waiting periods if you have a new insurance plan
  • Consider using your flexible spending account or HSA for additional savings
  • Address any needed treatment before your annual maximum is reached
  • Confirm we’re an in-network dentist with your specific plan to maximize savings

Don’t Wait—Call Today

With nearly two months already gone, there’s no better time than now to use your dental benefits. Whether you need a routine cleaning and exam or have been putting off necessary treatment, we’re here to help you get the care you deserve.

Contact our office at 620-275-9157 to schedule your appointment. Let’s work together to ensure you maximize your dental insurance this year and maintain a healthy, beautiful smile throughout 2026 and beyond.