dental insurance - question on annual benefit maximums
i bought my dental insurance directly from Delta (not through an employer), and have a mid--year end date for my plan year (bought 5/31/25, plan runs through 5/31/26)
I'm considering either upgrading to a higher benefit level with Delta, or switch to another provider altogether. If I choose to upgrade, is my prior plan year's "usage" remembered and carried over?
for example, both my current plan and the upgrade I have in mind allow 2 cleanings per calendar year. I already used both my 2026 cleanings. If i upgrade (or alternately, cancel then rejoin a month or two later), is my cleaning allowance reset to zero, or would they take into account that I already did 2 cleanings in 2026 under an older plan?
Posted May 5, 2026, 5:20 PM UTC
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