If your dental plan runs on a calendar year, the benefits you haven't used by December 31 are gone for good. They don't roll over. At Edge Dental Designs in McKinney, we help families from McKinney, Frisco, Prosper and Celina get full value from their coverage before it resets. Year-end appointments fill fast, so the sooner you book, the better your choice of times.

Call (214) 945-1993 or book online to review your remaining benefits or reserve your year-end visit.

Dr. Elena Nemirovskii welcoming a patient for a year-end dental visit at Edge Dental Designs in McKinney, TX

What resets on January 1

Most dental insurance plans have three things that start over at the beginning of the year:

  • Your annual maximum. This is the most your plan will pay toward your care each year, often $1,000 to $2,000. Any amount left on December 31 is lost.
  • Your deductible. If you've already met it this year, treatment now costs you less out of pocket than the same treatment in January, when the deductible starts over.
  • Your preventive visits. Many plans cover two cleanings and exams a year at little or no cost to you. If you've had only one, the second is still waiting.

You've been paying premiums all year. Using your benefits is simply getting what you paid for.

Don't forget your FSA or HSA

Dr. Elena Nemirovskii explaining a dental implant model to a patient at Edge Dental Designs in McKinney, TX

Flexible Spending Account (FSA) dollars are usually "use it or lose it." For 2026 plan years, employers may let you carry up to $680 into 2027, or offer a short grace period instead, but many plans offer neither. Check with your employer before the deadline.

Most dental care counts as an eligible FSA expense, from cleanings and fillings to crowns, Invisalign and dental implants. Health Savings Account (HSA) funds roll over, but they're still a smart, pre-tax way to pay for care.

Five smart ways to use your remaining benefits

Dr. Elena Nemirovskii reviewing a 3D dental scan with a patient at Edge Dental Designs in McKinney, TX

  1. Book your cleaning and exam. Preventive care catches small problems before they turn into bigger, costlier ones.
  2. Finish treatment you've been putting off. That filling, crown or root canal may be largely covered by benefits you still have this year. If you have an outstanding treatment plan, contact us and we'll review your remaining benefits before the year ends.
  3. Treat gum problems early. If you've noticed bleeding or tender gums, gum therapy now can protect your smile and use your coverage.
  4. Plan treatment across two benefit years. If you need several crowns, Invisalign or implant treatment, part of your care may be scheduled in December and the rest in January, so you can potentially use benefits from both years. Whether this works depends on your coverage and treatment needs, and we'll help you map it out.
  5. Get a custom night guard. If you grind or clench your teeth, a night guard may be covered and can save you from cracked teeth later.

We accept most major PPO plans

Edge Dental Designs accepts most major PPO dental insurance plans, including:

  • Delta Dental
  • Aetna
  • Blue Cross Blue Shield (BCBS)
  • MetLife
  • Guardian
  • Cigna

Meet Yusra, your insurance coordinator

Front desk at Edge Dental Designs in McKinney, TX, where our team helps patients with insurance benefits

Insurance can be confusing and frustrating. That's why our insurance coordinator, Yusra, is here to help. With more than 8 years of experience in dentistry, she takes pride in knowing dental insurance inside and out. Yusra thoroughly verifies your benefits and explains your coverage in plain language, so you can make informed decisions about your care with no surprises. Not sure how much coverage you have left? Contact us and Yusra will review your remaining benefits for you.

No insurance? You still have options

If you don't have dental insurance, our in-house membership plans cover your preventive care for one yearly fee:

  • Edge Care: $429 per year, ages 14 and up
  • Child Care: $329 per year, ages 13 and under
  • Perio Care: $699 per year, for patients who need ongoing gum care

We also offer financing through CareCredit and Cherry. Learn more on our payment plans page or see our current offers.

Evening and Saturday hours

The holidays are busy, so we make it easier to fit in a visit:

  • Monday, Tuesday and Thursday: 11 am to 7 pm
  • Friday and Saturday: 9 am to 3 pm
  • Wednesday and Sunday: by appointment

Have a dental emergency over the holidays? We offer same-day emergency care.

Meet your McKinney dentists

The Edge Dental Designs team in McKinney, TX

Dr. Vishala Patel and Dr. Elena Nemirovskii provide complete general, cosmetic and implant dentistry under one roof. Dr. Patel holds the FAGD designation as a Fellow of the Academy of General Dentistry, has completed Kois training, and is committed to ongoing continuing education. She places dental implants right here in our office, and we offer sedation dentistry for patients who feel anxious. Every treatment plan is personalized to your needs and goals.

Our office is at 1521 N. Custer Road, Suite 2900, McKinney, TX 75071, an easy drive from Frisco, Prosper and Celina.

Book before the calendar runs out

The weeks between Thanksgiving and New Year's are the busiest of the year at dental offices. Don't let the benefits you've paid for go to waste.

Call (214) 945-1993 or schedule online today to review your remaining benefits or book your visit before December 31.

Frequently asked questions

Do unused dental benefits roll over to next year? Usually not. Most dental plans reset your annual maximum and deductible on January 1. Check your plan, since a few run on a different benefit year.

How do I know how much dental coverage I have left? Call our office at (214) 945-1993. Our insurance coordinator, Yusra, will verify your remaining benefits and explain exactly what's covered.

Do you accept my dental insurance? We accept most major PPO plans, including Delta Dental, Aetna, BCBS, MetLife, Guardian and Cigna. Call us with your plan name and we'll confirm.

What if I don't have dental insurance? Our in-house membership plans start at $329 per year for children and $429 per year for adults, and we offer financing through CareCredit and Cherry.

Can I use my FSA at the dentist? Yes. Most dental treatment is an eligible FSA expense. Since FSA funds often expire at the end of the plan year, year-end is a good time to use them.

What if my treatment costs more than my remaining benefits? Depending on your plan and treatment needs, we can often plan treatment across two benefit years, starting in December and finishing in January, so you use both years of coverage.

Are you open on Saturdays? Yes. We're open Friday and Saturday from 9 am to 3 pm, with evening hours until 7 pm Monday, Tuesday and Thursday.