Most insurances have a yearly maximum that renews. Sometimes it's fiscal, but most of the time it's calander. When you are close to the end of the year it is smart to use up your benefits since they don't carry over to the next year and are lost. And usually there is an annual deductible that needs to be satisfied. Paying it at the end of the year and not using all your benefits isn't suggested. Most dental office's schedules are filled at the end of the year for these individuals that put off utilizing their benefits until the last minute. Call and schedule well ahead of time to guarantee time and money to get needed treatment done before your year is up. Some treatment can even be split between the two years to maximize treatment without going over your allowable. There just may be another year deductible that would have to be satisfied.
Dr. James L. Johnson