Rollover Max®
Roll over unused dental benefit dollars for future care.
Rollover Max® rewards preventive care by allowing eligible members to
roll over a portion of unused annual maximum benefit dollars.
Included with eligible plans at no additional cost.
Why Rollover Max Matters
No Additional Fee
Rollover Max is included with eligible plans at no additional cost.
Rewards Preventive Care
Regular exams and cleanings can help members qualify for rollover benefits.
Build Future Benefits
Accumulate unused benefit dollars for future use when larger dental needs arise.
Greater Flexibility
Additional benefit dollars can help offset future dental treatment costs.
What Is Rollover Max?
(Shown as Annual Max Carryover in online member account)
Thanks to Rollover Max®, there's good news if you don't reach your annual dental benefit maximum during the year. Eligible members may roll over a portion of unused benefit dollars and increase the amount available for future dental care.
Build additional benefit protection for future dental treatment needs by saving unused benefit dollars during healthier years, helping cover larger dental expenses such as bridges, crowns, root canals, and other major restorative services when they’re needed most.
Visit Dentist
Get at least one cleaning or oral exam during the plan year.
Qualify
Keep claims below your threshold amount and have an eligible plan with major restorative coverage.
Earn Benefits
Roll over unused dollars.
Use Later
Help pay for future dental treatment.
Rollover Max Schedule
| Annual Maximum | Threshold Amount | Annual Rollover Earned | Maximum Accumulated Rollover |
|---|---|---|---|
| $500 - $700 | $200 | $150 | $500 |
| $750 - $950 | $300 | $200 | $500 |
| $1,000 - $1,200 | $500 | $350 | $1,000 |
| $1,250 - $1,450 | $600 | $450 | $1,250 |
| $1,500 - $1,950 | $700 | $500 | $1,250 |
| $2,000 - $2,450 | $800 | $600 | $1,500 |
| $2,500 - $2,950 | $900 | $700 | $1,500 |
| $3,000+ | $1,000 | $750 | $1,500 |
Example: How Rollover Max Works Over Time
| Benefit Year | Year 1 | Year 2 | Year 3 | Year 4 |
|---|---|---|---|---|
| Annual Maximum | $1,000 | $1,000 | $1,000 | $1,000 |
| Rollover Max from Prior Year | $0 | $350 | $350 | $150 |
| Benefit Dollars Available | $1,000 | $1,350 | $1,350 | $1,150 |
| Your Total Claims Paid* | $400 | $800 | $1,200 | $300 |
| Cleaning or Exam Completed | Yes | Yes | Yes | Yes |
| Rollover Max Earned | $350 | $0 | $0 | $350 |
| Total Rollover Balance | $350 | $350 | $150 | $500 |
Result: $1,500 Available in Year Five
The member would begin Year Five with a $1,000 annual maximum plus a $500 accumulated Rollover Max balance.
* In this example, "Your Total Claims Paid" cannot exceed the threshold amount of $500 based on an annual maximum benefit of $1,000. To qualify for Rollover Max®, your total claims paid must not exceed the threshold amount associated with your annual maximum benefit. Refer to the threshold column in the schedule above for your plan.
** In Year Three, the member exceeded the $1,000 annual maximum benefit but had accumulated enough Rollover Max® dollars ($350) to cover the additional $200 expense.
More Value for Members, Employers, and Brokers
Rollover Max® rewards preventive care, helps members make the most of their dental benefits, and provides additional flexibility for future treatment needs.
- Encourages preventive dental care
- Helps maximize unused benefit dollars
- Provides additional financial flexibility
- Supports long-term oral health outcomes
- Included with eligible plans at no additional cost
How to Check Your Rollover Max Balance
- Sign in to your member account.
- Locate Annual Maximum Rollover/Carryover under Plan Maximums in your Dental Dashboard.
- This amount becomes available after your annual maximum benefit has been exhausted.
Frequently Asked Questions
Is there an additional fee for Rollover Max?
Do I need to enroll separately?
What happens if I leave the plan?
Can rollover dollars be used immediately?
Does Rollover Max apply to orthodontic lifetime maximums?
Program Rules and Details
- Available only with eligible plans.
- Plans without major restorative coverage are not eligible.
- Members who terminate coverage lose accumulated rollover balances.
- Qualification is determined during each benefit year.
- Members enrolling after the beginning of the fourth quarter are not eligible to begin rollover accrual until the following benefit period.
- Claims submitted after the calendar year may affect rollover calculations.
Check Your Rollover Max Balance
Sign in to view available rollover dollars, annual maximum information, claims history, and deductible status.
Sign in
Benefit availability and eligibility requirements vary by plan.
Rollover Max is available only on eligible Delta Dental plans that include major restorative benefits.
Please consult your plan documents, certificate of coverage, or group contract for complete details regarding eligibility, limitations, and benefit provisions.
