Most dental plans have an annual dollar maximum. This doesn’t refer to the most you will pay out of pocket, like with medical insurance. Instead, this is the maximum dollar amount your dental benefit plan will pay toward the cost of dental care within a specific benefit period (typically January through December, but check your plan to be sure).
You are personally responsible for paying costs above the annual maximum. Consult your plan booklet for specific information about your plan’s annual maximum. If you are a Delta Dental of Virginia subscriber, you can log into our secure subscriber website to view your plan details.
To further clarify what an annual maximum actually is, here’s a quick example:
Let’s say you have a plan with an annual maximum of $1,000. Your dentist says you need a crown that will cost $800. According to your plan benefits your share of the cost is 50%, so you’ll pay $400 and your plan will pay the other $400. Because your plan has paid $400 toward your dental expenses so far for the year, subtracting that from the $1,000 maximum means the plan will contribute $600 toward any future eligible dental costs for the remaining part of that 12-month period.
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