Purpose: Helps cover the cost of preventive, basic, and major dental services.
Preventive Care: Most plans fully cover routine check-ups, cleanings, and X-rays every 6–12 months.
Basic Services: May include fillings, extractions, and simple restorative work, often covered at a percentage after a deductible.
Major Services: Such as crowns, bridges, dentures, and oral surgery — usually have higher cost-sharing.
Orthodontics: Some plans offer coverage for braces or aligners, especially for children; adult coverage varies by plan.
Waiting Periods: Certain procedures may require a waiting period before coverage begins.
Annual Maximum: Most plans set a yearly coverage limit; once reached, you pay 100% of additional costs.
Networks: Using in-network dentists usually lowers your out-of-pocket costs.
Standalone or Add-On: Dental insurance can be purchased separately or as an add-on to a health plan.