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Annual Maximum Benefit Amount for Dental Insurance Plans
Dental Insurance Benefit Period
Dental benefits are typically calculated within what is known as a “benefit period” and most benefit periods have a duration of one year before they expire and are re-calculated for the next year.
While most follow a calendar year, not all do. Some are on a fiscal year basis. Therefore, it’s important to know exactly the start and end dates for your benefit period and where you are at in that time frame so that you can take full advantage of the coverage offered during the benefit period.
Annual Maximum Amounts of Coverage
It’s common for dental insurance plans to have what’s known as “annual maximums”. This is the maximum dollar amount a dental insurance plan will pay for dental care within a benefit period.
While the annual maximum amount varies between different dental insurance providers, the average tends to be in the ballpark of $1,000 per year, per person. The annual maximum usually renews on January 1st (if your benefit period is on a calendar year basis).
Any unused amounts will not roll-over from one year to another.
Therefore, it’s best to use them before the yearly benefit period runs out. Otherwise, you will most likely lose them.
Help Determining Your Remaining Annual Benefit Amount
Like most types of health insurance, dental insurance can get complicated and confusing. If you have questions or need assistance with understanding what annual dental benefits you may have left this year, please contact us by calling 330-733-7911, chat with one of our 24 hour live represenatives, or fill-out and submit the below form privately and securely.