A major chunk of dental insurance plans expire at the end of the year and reset on January 1st. Since the end of the year is right around the corner, it is time to take maximum advantage of the plan and make sure your oral health is in check. A dental insurance plan has a specific coverage amount that covers all your dental expenses. In order to make use of the benefits of the plan, you would have to pay a deductible every year. Once you pay the deductible, you will have to pay little or nothing every time you visit the doctor until you exceed the coverage amount.