Medical: When a new plan year begins on January 1st, your deductibles, out-of-pocket maximums and benefits will reset, so if you've met the deductible or OOP Max in a plan year, you could consider scheduling any medical services before the year ends.

Dental: Generally speaking, A-B's dental plans have set calendar year maximum benefits (with the exception of the Plus plan's orthodontia coverage, which has a lifetime maximum of $3,000). If you haven't met this year's annual benefit and you need dental services, it may make sense to schedule services this year to get the most of your available coverage. Check out where you stand on your calendar year Dental maximum by logging into your Delta Dental account.

Plan Well, Be Well