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Carryover Max:
Maximize Your Dental Benefits

Put your unused benefit dollars to work for you!

Carryover Max - Delta Dental of New Jersey

What is Carryover Max?

Carryover Max is a valuable feature that allows you to save unused portions of your annual maximum dental benefit from one year to the next. Think of it as a dental savings account that grows over time, giving you additional coverage when you need it most. 

Unlike standard dental plans where unused benefits disappear at the end of each year, Carryover Max rewards you for maintaining good oral health and using your benefits wisely.

How Carryover Max Benefits You

Flexibility & Peace of Mind

Build a safety net to help cover unexpected or more costly procedures when they arise.

Prevention is Rewarded

Regular preventive care visits are encouraged; the simple act of visiting your dentist activates Carryover Max benefits.

No Additional Cost

This benefit is included in your plan at no extra charge.

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 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.

How Carryover Max is applied year over year – Example 1


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 carry 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.


How Carryover Max is applied year over year – Example 2


Downloadable Carryover Max Flyers

Download a Carryover Max flyer that shows an example specific to your plan's annual maximum dollar amount.

$1,000 Annual Max $1,500 Annual Max $2,000 Annual Max $3,000 Annual Max $1,500 Annual Max (ES)

Frequently Asked Questions about Carryover Max

 
Is there a limit to the amount I can carry over?
A member may carry over 25% of their remaining annual maximum. However, if the member uses more than 50% of their annual maximum, nothing will carry over to the next year.
When can I access my Carryover Max dollars?
Earned Carryover Max dollars are available at the beginning of the next calendar year, and will only be accessed if you exceed your annual maximum for that plan year.
How do I access my Carryover Max funds?
Your Carryover Max balance is automatically applied when needed. When you receive dental services, claims are applied to your standard annual maximum first. Once your standard maximum is exhausted, additional claims automatically draw from your Carryover Max balance. No special forms or requests are needed to access these funds.
Does Carryover Max apply to both annual and lifetime maximums?
No, Carryover Max does not apply to lifetime maximums that may exist, such as orthodontics.
How do I check my Carryover Max balance?
You can verify your current Carryover Max balance by calling customer service.

Still have questions about Carryover Max?

Call Customer Service at
800-452-9310


Delta Dental of New Jersey, Inc. is New Jersey's leading dental benefits company, providing or administering coverage to more than 2.2 million people through contracts with groups and individuals in New Jersey and Connecticut. In Connecticut, Delta Dental of Connecticut, Inc. is a licensed insurer that writes dental and vision coverage on an insured basis, and Delta Dental of New Jersey administers self-funded dental benefit programs.