An insurer has come up with new dental plan annual maximum choices designed for business owners who are facing tight budget constraints.

Guardian Life Insurance Company of America, New York, says it has introduced 9 lower-cost plan designs with Maximum Rollover amounts that are 50% less than the amounts for the original versions of the plans.

The Maximum Rollover feature gives plan participants who see their dentists for checkups a chance to roll some or all of their unused benefit benefits over to the next year.

Participants can roll over larger amounts if they stick with providers in the Guardian dental network.