Every month you pay a premium. Most plans give you an annual maximum, cleanings that are covered, and a deductible you may have already met. On January 1, all of that resets to zero. Book now and put your benefits to work while they are still yours.
Not sure what’s covered? We call your insurance for you. Takes about a minute to request.
Benefit details depend on your plan. We confirm your coverage and give you a written estimate before any treatment. Medicaid plans follow a different schedule.
Insurance is the only thing you buy hoping not to use. But dental benefits are not a rainy-day fund. They are a yearly allowance, and the clock is the calendar.
The dollar amount your plan will pay toward care this year. Whatever you haven’t used by December 31 does not roll into 2027 on most plans.
If you already paid your deductible this year, treatment you complete now costs you less than the same treatment in January, when the deductible starts over.
Flexible spending accounts are the strictest of all. Most forfeit unused funds on December 31, and dental care is one of the easiest ways to spend them well.
Health savings accounts never expire, so there is no deadline on the HSA itself. It is still a smart way to cover your share of any treatment you complete this year.
Coverage varies by plan. These are the visits guests most often complete in the final months of the year, and how most PPO plans treat them.
Most plans cover two preventive visits a year in full. If you’ve only had one, the second is already paid for. Skip it and it’s simply gone.
Typically covered 100%
Small cavities become bigger ones. Completing a filling now uses this year’s maximum and this year’s met deductible.
Typically covered 70 to 80%
Larger treatment is where the annual maximum matters most. Start before year end and, where clinically appropriate, we can plan the remaining steps across both plan years.
Typically covered around 50%
If we recommended care earlier this year and you paused, your plan is ready when you are. Your care team can pull your plan and confirm what remains.
Uses this year’s maximum
Often planned over winter break for students. Many plans cover extractions, and FSA funds cover the rest.
Coverage varies; FSA eligible
Orthodontic benefits are separate from your general maximum, and FSA funds apply to your down payment. Start before December 31 and stack this year’s FSA with January’s new election.
Complimentary consult plus $500 off Invisalign
The December 31 deadline is real and it is the same for almost everyone with a dental plan. That is exactly why late-December calendars fill first. Booking now is not about pressure. It is about choice.
“I had an amazing experience at McKinney with Dr Michel and his staff. He took the time to answer all my questions and concerns, which were many; and made sure I understood the treatment proposed by going over all the benefits and drawbacks to different treatments that could be considered.”
Lauren B. on Google | McKinney, TX
Pictured: Dr. Michel Mikheil, DDS
"The doctor was thorough, and the assistants made the xrays easy. The front desk was nice and helpful, especially when it came to explaining my insurance and making sure I got the most from my benefits."
"We needed to find a new dentist in our area and also a last minute appointment before benefits expired at end of the year.They not only fit us in, but were professional, kind, and amazing."
"I truly appreciate the care and attention you gave to ensuring I understand how to keep my mouth healthy.I would also like to thank the front desk staff for their patience and for taking the time to clearly explain my insurance benefits and coverage. Their professionalism and willingness to answer my questions made the entire experience smooth and stress-free. Thank you all for your excellent service."
If you don’t see your plan, ask. We check coverage for every new and returning guest before treatment and give you a written estimate of your share.
Most guests have no idea how much of their annual maximum is unused. Give us your plan details and a member of our team will call your insurance, confirm your remaining 2026 benefits, and reach out with what we found and a few open appointment times.
Already know you have benefits left? Skip to booking.
For most plans, yes. Dental insurance runs on a plan year, and the majority of plans use the calendar year. On December 31, any unused portion of your annual maximum is gone, and your deductible starts over on January 1. A small number of plans renew on a different date, so check your plan documents or ask us to check for you.
Most dental plans reset on January 1. Your annual maximum refills, your deductible resets, and your preventive visits become available again. Anything you did not use in the prior year does not carry over unless your plan specifically includes a rollover feature, which is uncommon.
Yes. Flexible spending account funds can be used for most dental care, including exams, cleanings, fillings, crowns, root canals, extractions, and orthodontics such as braces and Invisalign. Cosmetic-only treatment such as whitening is generally not eligible. FSA funds usually forfeit on December 31 unless your employer offers a short grace period or a limited carryover, so it is worth confirming your plan's deadline now.
Yes. Health savings account funds can pay for qualified dental care, including your share of costs after insurance. Unlike an FSA, HSA funds do not expire at year end, so there is no December deadline on the HSA itself. Many guests use HSA dollars to cover coinsurance on treatment their insurance only partly covers.
The annual maximum is the most your dental plan will pay toward your care in a plan year. Once your plan has paid that amount, you cover the rest until the plan resets. If you have not used your maximum by December 31, the remaining amount does not roll over on most plans. That is the dollar figure guests most often lose at year end.
Most PPO dental plans cover a portion of crowns, commonly around half the cost after your deductible, up to your annual maximum. If a crown was recommended earlier this year and you have benefits remaining, completing it before December 31 uses this year's maximum instead of next year's. We provide a written estimate before treatment so there are no surprises.
Many plans include an orthodontic benefit, often a lifetime maximum in the range of one to two thousand dollars per person, and some plans limit it to dependents under a certain age. Orthodontic benefits are separate from your general dental maximum. FSA funds can also be applied to braces and Invisalign. We verify your orthodontic coverage at your complimentary consultation.
Yes. Invisalign and braces are FSA-eligible expenses, and starting treatment before December 31 lets you apply this year's FSA balance to your down payment. Guests who plan ahead often pair this year's remaining FSA funds with a new election in January to cover a larger share of treatment.
Pick a time at the office that's convenient for you. We'll confirm your coverage before you arrive, and you'll walk out knowing you used what you paid for.
