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What do you do when you reach the calendar year maximum on insurance coverage?
Wiki User
∙ 14y ago
After you reach your calendar year maximum, you have to pay the charges for dental procedures yourself. But check what you are being charged. If you are in a Dental PPO, the discounted charges negotiated by the DPPO are what you pay. If you are covered by a Dental Indemnity plan, then there is no discount and the dentist can charge their full fee.
If you are able to pay cash, talk to the dentist about getting a discount. If you need time to pay, some dentists have payment plans.
NOTE: Dental HMOs don't have annual maximums. If you are covered by a dental HMO then you just continue to pay the stated co-payment for any procedure.
Wiki User
∙ 14y ago
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