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Maximum Rollover

If you don’t use all your benefit dollars in a year, Maximum Rollover lets you keep that money for the following year. This gives you added security for the unexpected and can help you plan for major services.

If you have an individual BlueDental Copayment or Choice plan, this rollover benefit is automatically included. If you have your dental insurance through your employer, your plan may include Maximum Rollover; you can check by looking at your policy or by logging into your Florida Blue account. If you have BlueDental Care, your plan doesn’t have an annual maximum, so this benefit isn’t included.

Rollover dollars don’t expire

There is a standard amount that you can roll over, based on your plan’s annual maximum. Maximum Rollover dollars don’t expire, so they can add up over time.

Here’s what needs to happen for you to earn rollover dollars in a given year:

  1. You’re still a member of an BlueDental PPO dental plan with Maximum Rollover on the last day of the year.
  2. You receive at least one covered service, such as a routine cleaning, during the year.
  3. Your total claims paid during the calendar year do not exceed the payment threshold for your plan.

And here’s an illustration showing rollover earnings for some common plan annual maximum levels:

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.