Happy New Year! Individuals often start off the new year by making resolutions like eating healthier and beginning an exercise routine. Since the annual maximum amount provided by many dental insurance plans often resets in January, it makes sense to add keeping a healthy mouth to those goals, and get caught up on any dental treatment you might need.
What is an annual maximum?
An annual maximum is the most a dental insurance provider will pay toward your dental work in a given benefit year. This amount can vary depending on the type of plan you have. At the beginning of a new benefit year, your annual maximum resets, so the entire amount is available again. For most plans, this amount is always the same, regardless of how much of it you used in the previous benefit year. Any unused funds do not roll over, so it’s a good idea to take full advantage of them.
Does this mean dental work will be free?
Even if the entire amount of your maximum allowance is available, there may still be a cost associated with your treatment. The amount you owe will depend on the type of insurance plan you have, the type of treatment you receive and the maximum allowance amount. More information about how private dental insurance works can be found here. It’s always a good idea to get more information from your insurance provider so you are fully informed about what your plan covers and whether you are responsible for a patient portion and/or a deductible.
Make oral health a priority this year!
This new year, take advantage of your dental benefits and make oral health a priority. If you have any questions about treatment options available to you or would like to make an appointment, give us a call.