If you don’t use all your benefit dollars in a year, Calendar Year 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.
Many of our group PPO plans have this rollover benefit; HMO plans don’t have this benefit because they don’t have an annual maximum. Eligible members who have a plan with Calendar Year Rollover don’t have to do anything at the end of the year because the rollover amount is applied automatically.
Your plan has a standard amount that you can roll over. Calendar Year Rollover dollars don’t expire, so your dental benefits can add up over time.
You’re eligible for the benefit if:
In the table below, your plan’s maximum benefit is shown in the first column. The amount you can roll over is shown in the third column as long as your claims for the year don’t exceed the amount in the second column. Your rollover balance can keep growing year after year up to your plan’s rollover limit in the fourth column.
*This isn’t a flexible spending account. The amount is your benefit maximum for a year.
To illustrate how this works, here is an example, based on an annual maximum of $1,000:
For details about Calendar Year Rollover, see your Dental Guide to Benefits.
If you have questions, please call us at 808-948-6440 on Oahu or 1-800-792-4672 toll-free on the Neighbor Islands.