Does Dental Insurance Reset Every Year?
Yes. Most dental plans reset once a year, which means your annual maximum and your deductible start over. The catch is that the reset doesn’t always happen on January 1.
Calendar Year vs. Plan Year
Some plans run on the calendar year and reset on January 1. Others run on a plan year, which can start whenever your employer or insurer set it, like July 1 or October 1. If your plan year doesn’t match the calendar, your deadline to use benefits could be sooner (or later) than you think.
How to Find Your Reset Date
The quickest route is your insurance provider’s website or member app, which usually lists your plan year and how much of your annual maximum you’ve used. Your benefits paperwork or HR department can also tell you. A quick check now beats finding out in December.
Once you know your date, book your visit.
Coverage varies by plan. Check with your insurance provider for the details of your benefits.