High Annual Maximum Dental Insurance
When choosing a dental insurance plan, the annual maximum is one of the most important factors to consider. Annual maximums for dental insurance determines how much your insurance policy will pay for covered services within a year.
Most dental insurance plans set $1,000 to $1,500 as their dental insurance annual maximum, which might not be enough to fully protect you and your loved ones. Spirit Dental offers plans with options up to $5,000 of dental annual maximum benefit per person. With this higher maximum coverage, you can rest easy, getting the procedures you need without worrying too much.
Plus, with immediate full coverage with no waiting periods, you can access your benefits for a variety of services—from cleanings to implants—from day one.
How do annual maximums for dental plans work?
Each year, your dental plan provides a set amount of coverage (annual max) to help pay for preventive, basic and major dental services. Once you reach that limit, any additional costs for dental care are covered out-of-pocket.
Once you reach your benefits or calendar year from your plan's effective (start) date, your annual max will reset. You can use this to your advantage when scheduling major dental work that needs multiple visits to complete.
If you're in need of expensive major dental work, a high annual maximum dental plan will help you save more money. If your teeth are in good health and you don't need as much coverage, a lower annual max plan might be right for you. You can also look to the future to determine if you'll be in need of expensive procedures down the road.
A high annual max plan can help you save thousands in dental care costs.
Whether you need individual dental insurance or you're a couple or family dental insurance, you don't need to settle for minimum coverage. Get the most out of your dental benefits with high annual maximums, and feel secure knowing you're covered when you need it most.
Advantages of dental insurance with a high annual maximum
Buying a dental plan with a high annual maximum gives you some of the highest coverage dental insurance available. Below are a few of the major benefits you will enjoy if you sign up for such a plan:
- Comprehensive coverage: When choosing dental plans with a high annual maximum, individuals can receive comprehensive dental care without worrying about exceeding their coverage limits. This includes preventive treatments like cleanings and exams, as well as restorative procedures such as fillings, crowns and bridges.
- Flexibility for major treatments: Dental insurance with a high annual maximum becomes particularly advantageous for individuals requiring major dental treatments, such as orthodontics, dental implants or complex oral surgeries. These procedures often involve higher costs, and having a substantial annual maximum can significantly reduce out-of-pocket expenses.
- Long-term savings: By investing in dental insurance with a high annual maximum, individuals can effectively manage their dental expenses over time. Regular dental check-ups and preventive care can help identify potential issues early on, preventing more extensive and costly treatments in the future.
Not only are you getting an affordable dental plan with Spirit Dental, you're also getting one of the top no waiting period dental insurance plans on the market.
Frequently asked questions about annual maximum dental insurance
If you're looking for the best dental insurance with a high annual maximum, we understand you probably have some questions. We have gathered some common questions about dental insurance plans that have a high annual maximum and answered them for you below.
What does annual maximum mean for dental insurance?
Your annual maximum for dental insurance is the maximum amount of coverage your insurance will provide after you meet your deductible. Dental plans with a high annual maximum may cost more each month than plans with lower maximums, but lower maximum plans will cost you more in the long run if you need care beyond the maximum.
Which dental insurance has the highest annual maximum?
Spirit Dental is widely recognized for offering one of the highest annual maximums in the dental insurance industry. With Spirit Dental Insurance, policyholders can enjoy an impressive annual maximum benefit of $5,000. This means that individuals covered under Spirit Dental Insurance can receive dental care and treatments up to this specified amount within a policy year.
What can you do when you max out your dental insurance?
Once you have maxed out your dental insurance by reaching the annual maximum, you have a few options. One option is to postpone dental procedures until the following year. The second option is to pay for the procedures out of pocket. A good way to delay maxing out your insurance is by getting a $5,000 annual maximum dental insurance plan from Spirit Dental. Once you meet your deductible, we will cover $5,000 of dental care costs per year. Compare dental insurance plans and find one that meets your needs.
Additional Spirit benefits
When you need full coverage dental insurance without waiting periods, Spirit Dental has you covered. We offer dental insurance that covers implants and other major services.** We also provide dental insurance with no waiting period. Other benefits include:
It's easy to get dental insurance quotes online with Spirit Dental. Contact us for more information and get the insurance you need today to maximize your smile.
*The $5,000 annual maximum plan(s) may not be available in all states.
**Coverage varies by plan.
***The National Association of Dental Plans (napd.org) indicates most Dental Network and Indemnity plans have a maximum annual benefit of $1,000 to $1500.