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
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
We'll add that amount to next year's annual maximum to use for planned or unplanned expenses.
Unused yearly carryover funds will accumulate (capped at your standard annual maximum amount), so you don't lose them.
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
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.
Frequently Asked Questions about Carryover Max
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.