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Change Healthcare announced a breach of HIPAA privacy and is reaching out to individuals whose personal information may have been compromised. Although this incident does not involve Delta Dental of New Jersey or Connecticut, Change Healthcare is a vendor we used and we are providing this information to help our members who might be affected.
Carryover Max℠ $3,000
Carryover Max allows you to accumulate part of your unused benefit dollars from one year into future years. Carried-over benefit dollars increase your annual maximum and help pay for future covered services, such as bridges, crowns, and root canals.
It's easy to qualify.
Get your annual check-up.1 That’s it.
1. If you use less than half of your yearly benefit dollars, we’ll take the difference between your annual maximum and what you actually used and multiply that by 25%.2
2. We’ll add that amount to your next year’s annual maximum to use for planned or unplanned expenses.
3. Unused yearly carryover funds will accumulate (capped at your standard annual maximum amount), so you don't lose them.
4. You can accumulate multiple years’ carryovers (up to $500 per year), potentially doubling your benefit dollars.
You get more flexibility in planning and paying for your dental care, as well as the peace of mind knowing you have more benefits—if you need them, when you need them.
Still have questions about Carryover Max? Call us at 800-452-9310.
1 To qualify for Carryover Max, you must receive at least one cleaning or oral exam during each plan year. If you miss an annual cleaning or exam in a later year, any accumulated carryover will be lost.
2 You can roll up to $500 in unused dollars into the following year. Unused yearly carryovers can accumulate up to your standard annual maximum.
3 If you use less than one half of your standard annual maximum, then you are eligible for Carryover Max.
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It's easy to qualify.
Get your annual check-up.1 That’s it.
How Carryover Max works:
1. If you use less than half of your yearly benefit dollars, we’ll take the difference between your annual maximum and what you actually used and multiply that by 25%.2
2. We’ll add that amount to your next year’s annual maximum to use for planned or unplanned expenses.
3. Unused yearly carryover funds will accumulate (capped at your standard annual maximum amount), so you don't lose them.
4. You can accumulate multiple years’ carryovers (up to $500 per year), potentially doubling your benefit dollars.
Here’s an example of how Carryover Max is applied year over year.
| Year 1 | Year 2 | Year 3 | Year 4 | |
|---|---|---|---|---|
Your standard annual maximum amount |
$3,000 | $3,000 | $3,000 | $3,000 |
| Carryover amount from previous year | N/A | $500 | $1000 | $01 |
| Total benefit dollars available; | $3,000 | $3,500 | $4,000 | $3,000 |
| Your total claims paid3 | $80 (less than $1,500) |
$380 (less than $1,500) |
$0 (No qualifying services) |
$300 (less than $1,500) |
| Cleaning or oral exam during the prior year | Yes | Yes | No | Yes |
| Carryover amount earned | $500 | $500 | $0 | $500 |
| Accumulated Carryover Max total available | $500 | $1,000 | $0 | $500 |
Carryover Max increases your dental benefit value
You get more flexibility in planning and paying for your dental care, as well as the peace of mind knowing you have more benefits—if you need them, when you need them.
Still have questions about Carryover Max? Call us at 800-452-9310.1 To qualify for Carryover Max, you must receive at least one cleaning or oral exam during each plan year. If you miss an annual cleaning or exam in a later year, any accumulated carryover will be lost.
2 You can roll up to $500 in unused dollars into the following year. Unused yearly carryovers can accumulate up to your standard annual maximum.
3 If you use less than one half of your standard annual maximum, then you are eligible for Carryover Max.
Download PDF
Delta Dental of New Jersey is a part of Delta Dental Plans Association. Through our national network of Delta Dental companies, we offer dental coverage in all 50 states, Puerto Rico and other U.S. territories.
