Not everyone has dental insurance, but those who do sometimes take it for granted. Dental insurance gives you a fixed amount of money to spend on your dental care each year. Anything that isn’t used is absorbed by your insurance company when your plan starts over in January. So if you’re skipping your dental check-ups, it’s a waste of valuable insurance payments that you’ll never get back. When it comes to dental insurance, if you don’t use it, you lose it!