This article is reminding patients to take advantage of their end of the year insurance benefits. Dental insurance benefits do not roll over from year to year; consequently, patients who delay procedures may end up paying more the next year for care because they will max out their benefits and get stuck footing the bill for out-of-pocket expenses. Spreading procedures out over a six-month period that overlaps two different years is one way to minimize out-of-pocket expenses and keep care affordable.