An annual maximum is the maximum dollar amount a dental benefit plan will pay toward the cost of dental care within a specific period, usually a calendar year.
A deductible is the total amount you have to pay before your dental benefits plan covers expenses.
Does dental insurance have a limit?
The good news is that supplemental dental insurance policies tend to have no annual spending limits and no deductibles. You can often find a plan that provides coverage for specific procedures. Supplemental plans also usually don’t have waiting periods and restrictions on preexisting conditions.
What does a deductible mean for dental insurance?
An insurance deductible is the minimum amount that must be paid before the insurance policy pays for anything. For example, if the deductible is $200 and the covered individual’s procedure is $179, the insurance does not kick in and the individual pays the entire amount.
What is full coverage dental insurance?
The term “full coverage” can mean different things to different people. For some, “full coverage” means a dental insurance plan that covers basic services like routine checkups, cleaning and X-rays. Others expect a full-coverage plan to reduce the cost of any dental services they may need.
What is a good dental insurance?
Here are some of the best options for dental insurance on the market.
- Best for Family Plans: UnitedHealthOne Dental Insurance.
- Best for Families on a Budget: Delta Dental Insurance.
- Best for Discounts: Humana Dental Insurance.
- Best for Global Coverage: Cigna Dental Insurance.