Question: Do Dental Insurance Benefits Reset in January?
“Some reset in January, but you really have to check your plan. Everybody's different. Some reset in April, some in June. Just check your policy and you'll be able to tell when it resets.”
Do Dental Insurance Benefits Reset in January?
By Amber-Lee, IRDH16 Years Experience
~10 sec watchVideo FAQ
Vertical video optimized for mobile viewing.
Quick Answer
Some do, but not all of them. Many dental plans reset in January, while others reset in April, June or another month set by the employer or insurer. Your policy booklet or your insurer's member site will show the date. Once you know it, you can book before your unused coverage for the year is gone.
More about teeth cleaning in Riverview.
Answered by the team at Bright White Dental Hygiene Clinic in Riverview, NB, serving Moncton and Dieppe.
Key Takeaways
- 1January is common, but April and June are too.
- 2Your policy or insurer's member site shows your exact date.
- 3Unused amounts usually do not carry over, so book before the date.
Video Transcript: Do Dental Insurance Benefits Reset in January?
Full transcript of the video answer on whether dental insurance benefits reset in January, given by Amber-Lee, IRDH, at Bright White Dental Hygiene Clinic in Riverview, NB, serving Moncton and Dieppe.
How to Find Your Reset Date
Look in your benefits booklet or log in to your insurer's member site, and find the term "benefit year" or "plan year". If you get your coverage through work, your HR contact can tell you. A plan that runs on the calendar year resets January 1. A plan that follows your employer's fiscal year can reset in a different month.
What Actually Resets
Usually it is your yearly dollar maximum for dental care, so if you have money left in December on a calendar-year plan, most plans will not move it to next year. Check yours, since each plan sets its own rules.
Many plans also limit how often you can have a service, such as one recall exam in a set number of months. Those limits may count from your last visit and not from the reset date, so it helps to ask before you book.
CDCP Works Differently
The Canadian Dental Care Plan does not follow a January reset. Its service limits run on rolling periods, so a service with a 12-month limit is available again 12 months after you last had it, whatever the calendar says. Keep your CDCP enrolment up to date each year so your coverage does not lapse.
When to Book
If your reset date is close and you have not had this year's cleaning, book now. Bright White direct bills major insurers and accepts CDCP. Bring your insurance details and the team will handle the claim, so you do not need a dentist or a referral to use your benefits.
Frequently Asked Questions
Questions people search right after this one.
Most do, once a year on a date set by the plan. That date is often January 1, but it does not have to be. Your policy will say.
Most plans do not carry unused amounts into the next year. Some have their own rules, so check your booklet or ask your insurer.
It renews on your plan's benefit year date. A plan through your work may follow the employer's own year, so ask HR if the booklet does not make it clear.
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Use Your Benefits Before They Reset
Book your cleaning in Riverview. We direct bill major insurers and accept CDCP.