Dental Insurance

Dental insurance is a bit easier to understand than health insurance.

You basically pay for a plan (premium), i.e. could be $15 or $50 per month. Then they have coverage plans for example 100/80/50 coverage (that’s percentage covered). And each number is a category as follows Preventive care/Basic procedures/Major procedures.

Preventative care is things like clean ups and x-rays. Basic procedures like tooth extractions, fillings, etc. Major procedures are things like bridges, root canals, implants, etc.

Unlike health insurance, the amount covered for each category starts immediately, there’s no deductible to meet. However, there’s a limit per year the insurance will cover, known as the maximum. Meaning once you go over the maximum in a year, you must pay 100% for any dental procedure.