Remember, when you buy a dental insurance  plan you and your employer are paying some premium – upfront dollars – that are wasted if you don’t see your dentist.
Many insurance companies have a benefit deadline of December 31, and this means that any of your unused benefits don’t roll over into the New Year for most dental plans. Still, some plans may end at different times of the year, so check your plan document or ask your employer to be sure. Insurances  constantly changing please be aware and un to date ….also there are many questions to ask when buying such as is there a missing tooth clause?  Do you have a waiting period? among others.