As the year winds down, it’s easy to get caught up in the holiday rush, family gatherings, work projects, and everything else on your to-do list. But here’s something worth considering and it’s not those holiday plans or your travel schedule.

It’s your dental insurance benefits… and they’re about to expire.

At Posh Pearl Dental Studio, we see it every year…patients who’ve paid for coverage, but never use it before it resets. And that’s the real scam of dental insurance is not using it the right way.

If you want to keep your smile healthy and get the most from your plan, that is!

Understanding the “Use It or Lose It” Policy

Most dental insurance plans operate on a calendar year, meaning your benefits reset on January 1. This includes:

• Annual Maximum – the total dollar amount your provider will pay for care each year (usually $1,000–$2,000).
• Deductible – the amount you must pay out-of-pocket before your insurance starts to cover more.

If you haven’t reached your annual maximum or met your deductible, those benefits vanish when the year ends. They don’t roll over, they're simply gone.

So if you’re due for a cleaning, darling, now’s the time to bank those benefits before they disappear.

Taking advantage of your dental insurance before the year ends isn’t just smart — it can save you hundreds of dollars.

Here’s why:

• Preventive Care Is Usually Fully Covered
  Most insurance plans cover cleanings, exams, and X-rays at 100%. These visits help catch small problems before they become bigger (and more expensive) ones. While most insurance plans do cover exams, X-rays, and fillings, some may require a small copay or have limited coverage; it all depends on your specific plan. Our team can help you understand what’s included so there are no surprises at your visit.

• Address Existing Issues Early
  If you’ve been told you need a filling, crown, or root canal, don’t wait. Delaying treatment can lead to more complex and costly procedures.

• Reach Your Annual Maximum Wisely
  If you’ve already met your deductible, it’s cost-effective to finish any remaining treatments before January. Once your plan resets, you’ll be paying out-of-pocket again until that deductible is met.

• Avoid Losing What You’ve Paid For
  Letting your benefits expire is like leaving money on the table. You’ve paid premiums all year — make sure you actually use what you’re entitled to.

Here is How We Make It Simple for You!

Navigating insurance shouldn’t be stressful and at Posh Pearl Dental Studio, it isn’t. We handle the details so you can focus on your health and your smile.

See the full list of accepted insurance plans and financing options here: poshpearlfds.com/insurance 

We work with Medi-Cal, Denti-Cal, Cherry Finance, and Alphaeon Credit to make affordable dental care accessible to everyone. Whether you’re in-network, out-of-network, or don’t have insurance at all, our team will help you find a plan that fits your needs and budget.

And if dental visits make you nervous, we offer gentle, safe sedation dentistry options to make your experience comfortable and stress-free.

Plan Ahead and Schedule Early

One of the biggest reasons patients miss out on their benefits is simply timing. The end of the year is one of the busiest seasons for dental offices.

Don’t wait until December to call.

Schedule now to:

• Reserve your preferred date and time
• Complete pending treatments before your deductible resets
• Take advantage of our convenient payment options through

Not sure what your plan covers or how much you’ve got left? Don’t stress — we’ll help you figure it out.

Just reach out to our team and we’ll make sure you’re using every dollar you’ve earned before your benefits reset.