Wednesday, January 13, 2010

ANNUAL MAXIMUM - LIFETIME MAXIMUM with a Dental Health Insurance Plan

Nearly all dental health insurance plans have an annual maximum benefit in contrast to medical insurance plans that do not. In addition some dental insurance plans may have a separate lifetime maximum specifically for orthodontics (braces). When an insured procedure is covered under a lifetime maximum it is not counted towards an annual maximum.
Dental health insurance plans have a low annual maximum (proportional to the potential cost of dentistry) that really haven’t increased in the nearly 25 years I have practiced dentistry. Regardless, a higher premium dental insurance policy will provide a higher annual maximum.

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