A dental annual maximum is the most your dental plan will pay toward your covered care in a single plan year. Once you reach it, you pay for additional care yourself — and any amount you don't use usually doesn't carry over to next year. That's why using your benefits before the year ends matters.
How the annual maximum works
Say your plan has an annual maximum and you've used only part of it on a cleaning and exam. The rest is still available for covered care this plan year — but when the year resets, that unused amount is typically gone for good. It doesn't roll into next year.
Why it's "use it or lose it"
Because the maximum resets each plan year, unused benefits simply disappear. If you've been putting off care, the end of the year is often the smartest time to schedule — you're using benefits you've already paid for through your premiums.
How to make the most of it
Start with the care you're due for, like a check-up and cleaning. If you need additional treatment, ask about timing so this year's benefits can apply. We verify your benefits before your visit and give you a clear estimate of your share before treatment — an estimate based on your plan, not a guarantee of final payment.
We make it easy
If you have Delta Dental, we're in-network with PPO and Premier, we verify your benefits, and we file your claims for you. See how Delta Dental works at Ideal Dental, then find a location near you.
Frequently asked questions
What is a dental annual maximum?
It's the most your dental plan will pay toward covered care in a plan year. Beyond that amount, you're responsible for the cost of additional care.
Does my annual maximum roll over?
Usually not — most plans reset the maximum each plan year, so unused benefits typically don't carry over.
When does the annual maximum reset?
Many plans reset January 1, but some use a different plan year. Check your plan, or we can verify it for you.
How can I use my remaining benefits?
Schedule the care you're due for and ask about treatment timing before year-end. We'll verify your benefits and give you a clear estimate before any treatment begins.