Do you ever find your dental insurance to be a bit confusing to navigate? You’re in good company. Dental insurance can be puzzling, and there are numerous misconceptions about it. Fortunately, The Diablo Dental Group is here to dispel these myths. In this blog, we’ll explore seven common dental insurance misconceptions and emphasize the importance of making the most of your benefits before they run out on December 31st. Let’s get started!

7 Dental Insurance Myths, Debunked

Myth 1: Dental Benefits Don’t Expire

Contrary to popular belief, dental benefits do expire. In most dental insurance plans, benefits are calculated on a yearly basis, and they reset at the end of the calendar year. This means that any unused benefits you have will not carry over into the next year. December 31st is typically the last day to utilize your yearly pool of benefits. Failing to do so means you’re leaving money on the table, and that’s not a financially sound choice.

Myth 2: You Should Put Off Procedures to Save Out-of-Pocket Costs

Many dental benefit plans operate on a yearly “reset” basis, which might tempt you to postpone care in hopes of maximizing your treatments. However, based on our experience, this approach rarely turns out to be advantageous.

When you delay actions like filling a cavity or replacing a crown, you increase the risk of infection or additional, more expensive damage to your teeth. For instance, neglecting to address a cracked tooth could lead to it breaking, ultimately resulting in a costlier root canal and crown. It’s simply not worth taking chances with your health.

Myth 3: Dental Insurance Is Reserved Solely for Emergencies

While catastrophic health insurance plans focus on covering unforeseen emergencies, most dental insurance plans aren’t tailored for emergency care. Your coverage for restorative procedures may be more limited than you assume, depending on your plan.

Many dental insurance plans prioritize cleanings, exams, x-rays, and preventive care – and for good reason! Regular dental visits enable the early detection of decay, gum disease, and other issues. Catching these problems early leads to less invasive and more adaptable treatment options. By utilizing your insurance for preventive care, you’re securing the benefits of a healthy mouth for a lifetime.

Myth 4: Dental Insurance Pays for Everything

Dental insurance isn’t like medical insurance with a deductible. Instead, it typically has an annual maximum, and once you reach that limit, you’ll have to pay for additional procedures out of pocket.

Myth 5: Dental Insurance Covers Every Procedure

Dental plans may not fully cover certain procedures, such as teeth whitening. They often have limitations on the number of visits, age, or x-rays covered. It’s essential to carefully review the plan details before choosing.

Myth 6: Dentists Recommend What’s Best For the Insurance Company

Insurance companies may cover certain treatments but prefer less expensive options. For example, they might fully cover silver fillings but not composite resin ones, which dentists may recommend for strength and aesthetics.

Myth 7: The Dentist Determines What’s Covered

Your dentist doesn’t determine what your dental plan covers. Coverage decisions are typically set by the insurance company and your employer’s HR department, with a focus on general care and cost management rather than personalized needs.

Preventative Care: Your Key to Maximizing Benefits

Preventative dental care is the cornerstone of maintaining good oral health, and it’s also your ticket to maximizing your dental insurance benefits. Regular dental check-ups, cleanings, and screenings help identify and address issues early, preventing them from escalating into more costly and complicated procedures. By booking cleanings at regular intervals, you not only keep your smile healthy but also save money by avoiding more significant dental problems down the road.

Cash In on Your Remaining Benefit

Believe it or not, MouthHealthy says a whopping 100 million Americans miss their dentist appointments each year. By keeping up with your regular dental visits twice a year, you can save yourself some serious treatment costs and steer clear of more complicated dental problems.

With the year-end fast approaching, it’s smart to get your appointment scheduled sooner rather than later. Now is the perfect time to plan for those pricier dental treatments, especially if you’ve already met your yearly deductible.

If you’ve got some serious dental work coming up and you’re getting close to your annual maximum, your dentist might even suggest splitting the treatment between this year and the one that’s just around the corner when your benefits reset.

So, if you still have some insurance benefits left for the year, or if you’ve got funds in your FSA or HSA to use, don’t wait. We encourage you to go ahead and set up your appointment before the year is up. Whether it’s time for a cleaning, you’ve got some dental work on the horizon, or you just want to get a dental checkup on the calendar, don’t hesitate to get in touch with us. End-of-year slots fill up fast! 


In conclusion, your dental insurance is a valuable resource that can help you maintain your oral health, save money, and experience peace of mind. Understanding the fundamentals of your dental plan, including its annual renewal cycle, is essential to make the most of your benefits. By using your dental insurance wisely, you can keep your smile in tip-top shape and avoid unnecessary expenses in the long run.

Reach Out Now

At The Diablo Dental Group, we’re dedicated to helping our patients navigate the world of dental insurance. We want to empower you to make informed decisions about your oral health. Don’t let these dental insurance myths hold you back; instead, use your benefits to their full potential and enjoy a healthy, radiant smile for years to come. We’re here to support you every step of the way. Contact us today to schedule your end-of-year appointment.