A “maximum benefit” is a cap on how much an insurance plan will spend on covered dental care during a year. Approximately 90 percent of private dental plans sold in the U.S. have maximum benefit limits. DentalInsurance.com analyzed its nationwide inventory of PPO and indemnity dental plans and identified over half a dozen plans with high maximum benefits. If you need a more detailed explanation of this insurance spending limit, see our article “What Is a Maximum Benefit in a Dental Insurance Plan?”
$1,000 annual maximums were common in the 1960s and 1970s. However, the average maximum has not risen at the same rate as inflation in the following decades. For example, an analysis of dental plans in 2023 found the average maximum benefit was below $2,000 in states such as:
For the purposes of this article, a high maximum dental plan has at least $2,500 in potential insurance company spending toward covered dental services. This amount is more than 25 percent higher than the state averages given above.
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
