Dental insurance is often “use it or lose it” — meaning unused benefits don’t carry over into the next year. That’s why planning your care around insurance deadlines can save you money and ensure you get the treatment you need.
Here’s how to make the most of your plan before it resets:
📅 1. Know When Your Plan Renews
Most dental plans in Canada reset on January 1, but some follow your employer’s fiscal calendar. Always check your renewal date so you don’t miss out.
✅ 2. Use Up Annual Maximums Wisely
If you’re close to your coverage limit, focus on treatments with the biggest health impact — like fillings, root canals, or cleanings.
If you have a large treatment plan, ask your dentist if it can be split over two benefit years.
📞 3. Book Early Before the Rush
Many patients try to squeeze in appointments before December 31. To avoid last-minute stress, schedule your checkups and procedures early in the fall.
💡 4. Ask for a Pre-Treatment Estimate
This lets you know what’s covered and how much you’ll owe — making it easier to plan or prioritize treatments.
Need Help Mapping Out Your Care?
We’ll help you time your treatments to get the most out of your insurance and reduce your out-of-pocket costs.