Dental Insurance
Coverage for routine dental care, procedures, and emergencies.
Typical cost: $300 – $600 per year
What Is Dental Insurance?
Dental insurance covers a portion of dental care costs. Regular dental visits are essential for both oral and overall health—research links gum disease to heart disease and diabetes complications.
How It Works
Most plans use a 100-80-50 structure: preventive care at 100%, basic procedures (fillings, root canals) at 80%, and major procedures (crowns, dentures) at 50%. Annual maximums are typically $1,000-$2,000.
Plan Types
DHMOs offer low premiums with network restrictions. DPPOs provide more flexibility at higher cost. Indemnity plans offer maximum choice at the highest premiums. Discount plans are not insurance but offer reduced rates at participating dentists.
What's covered
Preventive Care
Biannual cleanings, exams, X-rays, and fluoride treatments at little to no cost.
Basic Procedures
Fillings, extractions, periodontal treatments, and root canals at 80% coverage.
Major Procedures
Crowns, bridges, dentures, and oral surgery at typically 50% coverage.
Orthodontics
Some plans cover braces with a separate lifetime maximum for children.
Emergency Care
Treatment for dental emergencies like severe toothaches and broken teeth.
Diagnostic Services
Panoramic X-rays and diagnostic imaging for treatment planning.
Pros and cons
Advantages
- Preventive care typically covered at 100%
- Encourages regular visits improving overall health
- Reduces out-of-pocket costs for procedures
- Employer plans often available at low cost
- Network dentists offer negotiated rates
Considerations
- Annual maximums of $1,000-$2,000 limit coverage
- Waiting periods for basic and major procedures
- Cosmetic procedures like whitening excluded
- Orthodontic coverage often limited to children
- Annual maximums haven't kept pace with costs
Frequently asked questions
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