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What does dental insurance typically cover?
Dental insurance pays a percentage of the cost of preventive care and other dental treatments until you hit your annual maximum (typically $1,000-$1,500) after which you pay out of pocket until your plan resets. Here’s what dental insurance typically covers:
Preventive care
Dental insurance typically covers the cost of your preventive care at 100%—including checkups, routine teeth cleanings, and bitewing x-rays.
Basic care
Most dental insurance plans cover 80% of basic dental care, like cavity fillings, simple extractions, and even some deep teeth cleanings until you hit your annual maximum.
Major care
Dental insurance will usually only cover 50% of root canals, crowns, bridges, dentures—and most of your major dental care—up to your maximum. You’ll cover the rest.
Is dental insurance right for me?
Many people are surprised how different dental coverage works compared to medical insurance. Learn the ins and outs of dental insurance below.
Preventive services are covered
Quality care anywhere
Backed by trusted brands
Routine teeth cleanings and other preventive care are usually covered at 100%.
Most dental insurance plans allow you to see dentists in and out of network. We recommend calling the dentist beforehand to see if you’re covered.
The dental insurance plans we offer are backed by carriers you can trust, including Aetna, Humana, Delta Dental, Renaissance, and more.
Know your maximum
Once you’ve reached your annual maximum (sometimes with a single costly procedure), you’ll be responsible for 100% of your dental care for the rest of the year.
Waiting periods apply
Many insurance plans have waiting periods for basic and major procedures which can range from 6 months to a year. Pre-existing conditions may never be covered.
Plan for your deductible
A deductible is the amount you spend at the dentist each calendar year before your plan starts paying a percentage of your eligible dental services.
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