Protect your smile and your health with the right dental coverage
Dental insurance helps cover the cost of routine and unexpected dental care, making it easier to maintain good oral health without breaking the bank. Whether you need regular cleanings, fillings, or more complex procedures, having dental insurance can reduce your out-of-pocket expenses and encourage timely care.
What does dental insurance cover?
Dental insurance plans typically cover three main categories of care:
- Preventive care: Includes routine check-ups, cleanings, and X-rays. Most plans cover these services at 100% because they help prevent bigger problems later.
- Basic procedures: Such as fillings, extractions, and root canals. These are usually covered at a percentage, often between 70% to 80%.
- Major procedures: Including crowns, bridges, dentures, and sometimes orthodontics. These are often covered at a lower percentage, commonly 50%.
Coverage varies by plan, so it’s important to understand what your policy includes and any limits or exclusions.
How does dental insurance work?
Dental insurance usually requires you to pay a monthly premium and may have deductibles and copayments. Many plans operate on a calendar-year basis with an annual maximum limit—the most your plan will pay in a year.
It’s important to review your plan’s network of dentists since using in-network providers usually means lower costs. Out-of-network care may be covered at a reduced rate or not at all.
Why dental insurance matters
Oral health is closely linked to overall health. Regular dental care can help prevent cavities, gum disease, and other issues that may lead to more serious health problems if untreated. Dental insurance encourages regular visits and timely treatment, helping you avoid costly procedures down the road.
