What is AMR? - GroupAccess - Alabama
Annual Maximum Rollover (AMR) Benefits
Taking Care of Yourself Has Never Been So Rewarding!
Every Dental® Blue Plan Includes AMR Benefits!
Annual Maximum Rollover (AMR) benefits allow members to carry over up to $500 dollars of their unused calendar year maximum. This maximum is the amount that Blue Cross pays towards your dental services each year.
Here's How It Works
1
Visit
Visit your dentist for routine diagnostic and preventative services.
2
Submit Claim
A claim will be submitted for your visit.
3
Rollover
If your annual claims do not exceed the plan max, you earn rollover - up to $500 for the year.
4
AMR Account
The money in your AMR account can total up to $1,000 and be used for future dental services.
Example Dental Blue Plan
Sample plan below may differ from plan purchased.*
$2,000
calendar year maximum
$500
maximum rollover amount
$1,000
threshold (amr account maximum)
Calendar Year Maximum
Claims
New Rollover Funds for Future Years
Current AMR Account Balance
Year 1
John has a $2,000 Calendar Year Maximum
AMR Account Balance: $0
- Completes 2 Diagnostic & Preventative Services.
- Submits additional dental claim.
- All claims paid are less than $2,000.
Rollover is $500.
Year 2
John has a $2,000 Calendar Year Maximum
AMR Account Balance: $500
- Completes 2 Diagnostic & Preventative Services.
- No additional dental claims.
- All claims paid are less than $2,000.
Rollover is $500 (adding $500 from last year).
Year 3
John has a $2,000 Calendar Year Maximum
AMR Account Balance: $1,000
- Completes 2 Diagnostic & Preventative Services.
- No additional dental claims.
- Total claims paid are less than $2,000.
- No rollover is received as AMR account is already at the $1,000 threshold.
Year 4
John has a $2,000 Calendar Year Maximum
AMR Account Balance: $1,000
- Completes 2 Diagnostic & Preventative Services.
- Submits additional dental claim of $2,500 for root canal and crown.
- Total claims paid are $2,700 ($2000 from plan + $700 from AMR = no out-of-pocket costs.
- $300 remains in AMR account.
Important Notes
You have to
complete
2
Diagnostic and Preventative Services every year
amr
available
for all members
on the contract
amr benefits
never expire
as long as the
contract is active
*Blue Cross and Blue Shield of Alabama is using a sample plan for example purposes only. Actual benefits may differ from those included in the sample plan.