10/16/2026
Most dental insurance plans operate on an annual calendar-year schedule with a "use it or lose it" rule. Unused annual maximum benefits and flexible spending account (FSA) dollars typically expire on December 31st rather than rolling over to the new year, meaning delayed preventive care can result in forfeited coverage.
https://www.deltadental.com/protect-my-smile/dental-benefits/use-it-or-lose-it-dental-benefits/
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