What Is a Dental Insurance Annual Maximum?
Your annual maximum is the most your dental plan will pay toward your care in a single benefit year. Once your plan has paid that amount, you’re responsible for the rest of your costs until the plan resets.
How the Annual Maximum Works
Every plan sets its own number, and it applies per person, not per family. On some plans, preventive care like cleanings and exams doesn’t count toward the maximum at all. On others, it does. Your plan documents will tell you which kind you have.
Why It Matters Near the End of the Year
If you’ve used very little of your annual maximum, that unused amount goes away when the plan resets. If you’ve used most or all of it, you may want to know that before scheduling anything else. Either way, knowing where you stand lets you plan instead of guess.
Want to make the most of what’s left?
Coverage varies by plan. Check with your insurance provider for the details of your benefits.