4 Ways to Maximize Your Dental Insurance Plan in 2025

Dental Health
By: Spirit Dental
March 6, 2025


A middle age couple looking at their dental insurance in their kitchen


Using your dental insurance benefits is one of the smartest ways to keep you healthy while also protecting your budget from unexpected dental expenses throughout the year.

We’ll highlight 4 main benefits of your dental plan to help you plan strategically and make the most of your benefits.


1. Prioritize preventive care

Most dental plans cover your preventive cleanings and exams 100%. Essentially, with the cost of your monthly plan, you’re getting these services at no additional cost. If you don’t use these benefits, you’re leaving money on the table. But, there’s more to it.

Preventive dental care fully cleans and protects your teeth from plaque and tartar that your toothbrush can have difficulty removing on its own. Dental professionals can also catch little issues before they get bigger, and more costly, potentially saving you thousands of dollars.

Get to the dentist, use your “free” preventive benefits, and keep your smile at its best.


2. Address minor issues now

Seeing the dentist isn’t on everyone’s favorite to-do list, but think of it this way—would you rather fix a small tooth issue for under $100 (with your dental plan), or wait, suffer through the pain and end up paying over $1,000?

Ignoring a toothache or sensitivity can lead to compounding issues. What could have been a simple and quick dental filling to fix a cavity, could turn into needing a crown or root canal. See your dentist promptly and feel confident using your benefits to save money and feel better.


3. Plan for major treatments

Major dental care for restorative services can get expensive quick—dental insurance helps you cover these costs.

With dental insurance annual maximums—the set amount of money your dental plan will pay within a calendar or benefit year (from the time your plan starts)—you’ll want to coordinate with your dentist to schedule major treatments to get the most of your benefits.

Because your annual max resets once that year expires, and depending how much you’ve already used up, your dentist can help you maximize your benefits. You might be able to delay care until the reset—or if your procedure requires multiple visits, you can time it so you’re getting the most from your plan.

A pre-treatment authorization will also help provide clarity. For any procedure, you can request the dental codes from your dentist and submit this to your insurance company to then provide a breakdown of what your insurance will pay.


4. Use HSA benefits

A traditional dental insurance plan will cover preventive care 100%, basic care (like fillings) around 50-80% and major services around 25-50%. When your plan pays 50% for a dental crown and you cover the rest, this is called coinsurance.

To further help you lower your dental expenses, HSA benefits can be used dental procedures that prevent and treat oral diseases. These treatments include:


  • Teeth cleaning
  • Fillings & sealants
  • X-rays
  • Braces
  • Extractions
  • Dentures
  • & more

 Using your HSA benefits can help you lower your dental expenses even more with your dental plan.


Take control of your dental costs & health

Take full advantage of your dental benefits in 2025. Focus on prevention, plan for treatments and enjoy the peace of mind that comes with a healthy, confident smile




Search for Resources

Categories

Senior Dental Health
Procedures
Nutrition
Eye Health
Children's Dental Health
Dental Health