I have been paying monthly premiums for three years but I have never been to the dentist in that time. My cap is 1500 per year. Does this mean they will now cover the first 4500 since I have not been to the dentist in three years? Or is it a "use it or lose it" scenario. My plan is with Aetna.
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No, your insurance will not accrue the maximum from year to year. It would be wonderful if they did, but then again we are talking about insurance. If you do not use the $1500.00 max within the year the benefits are lost.
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