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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