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Maximum Rollover

Your dental plan’s benefits go further with Maximum Rollover. PPO dental plans have a yearly limit on what a plan will pay for services—this is known as the plan’s annual maximum. If you use all your benefits up in a calendar year, Maximum Rollover lets you keep a portion of your unused benefit dollars for use the following year. This gives you added security for the unexpected and can help with unforeseen procedures and costs.

If you have an individual BlueDental Copayment or Choice plan, Maximum Rollover is automatically included. If you have your dental insurance through your employer, your plan may include it; you can verify this by checking your policy or your Florida Blue account. If you have BlueDental Care, your plan doesn’t have an annual maximum, so this benefit doesn’t apply.

Your benefit dollars can add up

Maximum Rollover dollars don’t expire, so they can add up over time. To earn rollover dollars, you must receive at least one covered service, such as a routine cleaning, during the year, and your total claims paid during the calendar year must not exceed the payment threshold, which varies by plan.

There is a standard amount that you can roll over, based on your plan’s annual maximum:

If your plan’s annual maximum benefit amount is:And, if your claims don’t exceed this amount:We’ll roll over this amount to use next year and beyond:You can earn up to this amount of rollover dollars:
$500$200$150$500
$750$300$200$500
$1,000$500$350$1,000
$1,250$600$450$1,250
$1,500$700$500$1,250
$2,000$800$600$1,500
$2,500$900$700$1,500
$3,000+$1,000$750$1,500

Here’s an example of how it works

(Based on an annual plan maximum of $1,000)

It’s easy to take advantage of Maximum Rollover

If your plan includes Maximum Rollover and you qualify, you don’t have to do anything at the end of the year; the rollover amount is applied automatically.

You can check your Maximum Rollover balance at your online account. Once you log into your Florida Blue account, switch to view your dental plan. Click on your name in the top right corner and select “View Another Plan.” Then click on your dental plan. Each covered member is listed on the right on the “My Dental Coverage” page. The left side shows any deductibles and the amount of the annual maximum used. Rollover dollars earned and used are displayed at the bottom (example shown below). Rollover dollars earned are applied once the annual maximum has been reached.