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Annual Maximum (Benefit)

Also known as your Annual Plan Maximum, this plan is the maximum dollar amount you can receive from dental insurance during each year of your policy. It DOES NOT include the total amount of dental services you receive. The average dental plan offers around $1000 per year for total coverage. However, not all services are covered equally by the insurance plan.

Here's a breakdown:

If you visit your dentist 3x in one year = $1000 total coverage provided by dental insurance

  • Visit #1: Routine teeth cleaning that costs $100
    • Service is completely covered by your insurance: $1000 remaining
  • Visit #2: Root canal that costs $900
    • Service is 50% covered by your insurance: $550 remaining after $450 insurance payout
  • Visit #3: Routine teeth cleaning that costs $100
    • Service is completely covered by your insurance: $550 remaining still

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