Did you know most dental insurance plans have an annual maximum amount they will pay toward dental work? If you haven’t yet hit your annual maximum, there’s still benefit money available to use — or lose!
Take advantage and schedule any cleanings or treatments for your child before the year ends!
Frequently Asked Questions
What kinds of preventative care benefits do I get with my dental insurance plan?
While it’s always good to confirm with your insurance carrier, a typical dental plan often includes two annual cleanings and exams at little or no cost for each person on the plan. This means if your child hasn’t yet had a second cleaning, it’s a good time to utilize your remaining benefits and schedule before the end of the year.
What is an annual maximum?
Terms like “annual maximums” and “deductibles” can often cause confusion. As Delta Dental of Illinois explains, an annual maximum is the maximum amount your plan will pay toward your dental work in a given plan year. This amount can vary depending on the type of plan you have. At the beginning of a new year, your annual maximum resets; any benefit money remaining from the previous year does not roll over. This means if you haven’t yet hit the annual maximum for your plan, there is still benefit money available that you can put toward any needed dental work.
How is this different from a deductible?
A deductible is the amount you must pay toward dental work before your insurance benefits kick in. This amount also tends to vary by plan. Once you’ve paid your deductible for the year, you don’t have to pay it again until next year. This would be another great reason to schedule an appointment before the year ends.
Will I have to pay anything out of pocket?
Whether or not you’ve reached your annual maximum or paid your deductible, there may still be out-of-pocket costs associated with treatment. The amount you owe will depend on the type of insurance plan you have, the type of treatment you receive, and how close you are to reaching your annual maximum or deductible.