Use Your Dental Benefits Before December 31
Don’t leave this year’s coverage on the table
Posted November 13, 2026 by the Bellevue Family & Cosmetic Dentistry team
If you have dental insurance, the end of the year is a good time to check what you have left. Many plans run on the calendar year, which means your benefits reset on January 1.
Why it matters
- Annual maximums usually don’t roll over. Most plans cap what they’ll pay each year. Whatever you don’t use is typically gone when the year ends.
- Deductibles start over. If you’ve already met this year’s deductible, treatment done before December 31 may cost you less than the same treatment in January.
- Preventive visits are often covered. Many plans cover two checkups and cleanings a year. If you haven’t had your second visit yet, now is the time.
- FSA dollars may expire. Flexible spending account funds are often “use it or lose it” at year-end, though some plans offer a short grace period. Check with your employer.
Have treatment planned?
If we’ve recommended a filling, crown or other treatment, scheduling it before the end of the year may let you use this year’s remaining benefits. For larger treatment plans, splitting the work across December and January can sometimes let you use two years of benefits. We’re happy to help you plan.
Plans we work with
We accept Premera, Blue Cross, Aetna and Delta Dental of Washington, and we’ll help you understand your coverage before treatment. Every plan is different, so give us a call and we’ll check your benefits for you. Learn more on our dental insurance page.
December appointments fill up quickly. Call (425) 641-1902 or use the Book Online button to reserve your spot.
