Calendar Year

The calendar year defines a benefit period that runs from January 1 to December 31. Many annual maximums, deductibles, and claim resets follow this schedule. It provides a consistent framework across most insurers and simplifies tax reporting for medical expenses.

‍

Understanding whether your plan operates on a calendar year or anniversary year basis helps you plan treatments and prescription refills efficiently.

‍

Example:

‍

If your dental plan covers two cleanings per calendar year, you can book one in March and another in October, but not again until the following January.

‍

What to Watch For:

‍

Confirm if unused benefits carry forward; most plans reset on January 1 without rollover.