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What is an annual maximum in a dental plan?

What is an Annual Maximum? An annual maximum in a dental plan is the total amount your dental insurance will pay for dental benefits for each person covered by the plan within the benefit period, e.g., a year. Once this limit is reached, you are responsible for all additional costs until the benefit period resets.

What should I consider when considering my dental annual maximum?

Some key things to remember when considering your dental annual maximum: • Your deductible doesn’t apply to the annual maximum. • Any copays on your plan don’t apply to the annual maximum. • Some coinsurance percentages covered by your dental carrier are applied to your annual maximum.

Do dental services count toward my annual maximum?

Some important basic services, such as diagnostic and preventive procedures, might not count toward your annual maximum; however, this will depend on your specific dental plan. An annual maximum usually ranges between $1,000 and $2,000 and resets at the end of each benefit period, typically 12 months.

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