TL;DR Summary
It’s November, and that means your 2025 dental insurance benefits are about to expire. On January 1st, most plans reset. This means two key things: 1) Any unused money in your Annual Maximum (the most your plan will pay for the year) is lost forever—it does not roll over. 2) Your Deductible (the amount you pay out-of-pocket) resets to $0.
Now is the perfect time to schedule cleanings, fillings, or any pending treatment you’ve been putting off. Using your benefits now means you save money. Call Parr Dental today to book your appointment before our schedule fills up!
Introduction: The Clock is Ticking on Your 2025 Benefits
It’s hard to believe, but 2025 is already winding down. We’re all busy planning for the holidays and wrapping up the year. But as your Omaha dental team, we want to share an urgent reminder that could save you hundreds, or even thousands, of dollars:
Your dental insurance benefits are about to reset.
For most dental plans, this happens on January 1st. This isn’t just a new calendar date; it’s a financial deadline. Here’s a simple guide to understanding what that means and how you can take action to maximize the benefits you’ve been paying for all year.
- The “Use It or Lose It” Rule: Your Annual Maximum
Think of your dental insurance plan as having a “benefit pool” of money just for you. This is called the annual maximum. It’s the most your insurance company will pay for your dental care in a single benefit year (usually January 1st to December 31st).
Here’s the critical part: This money does not roll over.
If you have an annual maximum of $1,500 and you’ve only used $500 this year, you will lose the remaining $1,000 on January 1st. It vanishes. You’ve paid your premiums all year for this coverage, and not using it is like throwing money away.
- The Deductible Reset
Your deductible is the amount you must pay out-of-pocket before your insurance plan starts to pay for treatments.
Have you already met your deductible for 2025? If so, your out-of-pocket costs for any additional treatment (like a filling or crown) will be significantly lower right now than they will be in January. When the clock strikes midnight on New Year’s Eve, your deductible resets, and you’ll have to pay that full amount again in 2026 before your coverage kicks in.
Simple Math:
- Book in 2025: You’ve met your deductible. You only pay your co-insurance (e.g., 20% for a crown).
- Wait until 2026: You pay your new deductible (e.g., $100) plus your co-insurance (20% for a crown).
- Why Now is the Perfect Time to Schedule
By acting now, you can get the care you need while saving the most money.
- Get Your Routine Cleaning & Check-up: Most plans cover preventative care (cleanings, exams) at 100%. If you haven’t had your second cleaning this year, you are letting a benefit you’ve already paid for go to waste.
- Complete That Pending Treatment: Have you been putting off a filling, crown, or root canal? If you’ve met your deductible, now is the ideal time to get it done. Your insurance will pay its maximum share, and you’ll pay the lowest possible out-of-pocket cost.
- Start Your Smile Makeover: Thinking about cosmetic dentistry? While many cosmetic procedures aren’t covered, the consultation is. We can also identify related treatments (like replacing an old, failing filling) that are covered. For complex treatment plans, we can strategically phase your care to maximize both your 2025 and 2026 benefits, saving you the most money in the long run.
- The Catch: The Appointment Rush
You’re not the only person who wants to “use it before they lose it.” These last few weeks of the year are the busiest time for dental offices. Everyone is trying to get in before the deadline.
If you wait, you risk not finding an appointment time that works for you. The best way to secure your spot is to call us today.
📞 Your Smile Can’t Wait (And Your Benefits Won’t!)
Don’t let your 2025 dental benefits disappear. Whether it’s for a routine cleaning or a treatment you’ve been considering, now is the time to act.
Call Parr Dental in Omaha today to schedule your appointment. Our team will be happy to help you understand your remaining benefits and get you on the schedule before the year ends.
Call 402 556 7794 or Book Your Appointment Online
❓ End-of-Year Benefits: Frequently Asked Questions
Q: What’s the difference between an annual maximum and a deductible? A: Your Deductible is the first amount you pay (e.g., $100). Your Annual Maximum is the most your insurance will pay (e.g., $1,500). Once you pay your deductible, your insurance pays its share until you hit the maximum.
Q: What if my treatment takes more than one visit and goes into 2026? A: This is a great reason to call us now! We can create a smart treatment plan that starts in 2025 to use your current benefits, then complete the rest in 2026 using your new benefits. This is perfect for splitting the cost of larger treatments.
Q: Are cosmetic procedures like whitening or veneers covered? A: Generally, purely cosmetic treatments are not covered by insurance. However, your consultation is covered. And sometimes, a procedure has both cosmetic and restorative benefits (like a crown) which is covered. We can help you find out.
Q: How do I know how much of my annual maximum is left? A: The easiest way is to call our office! Our insurance coordinators are experts. With your permission, we can contact your insurance provider on your behalf to find out your exact remaining benefits and help you plan.