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Dental Insurance

Good oral health is important for your overall health.

See how dental insurance can help your overall healthcare well-being!

Get a Free Dental Insurance Quote in Minutes!
dental insurance
Dental Insurance
Get a Free Dental Insurance Quote in Minutes!

Good oral health is important for your overall health.

See how dental insurance can help your overall healthcare well-being!

what is covered by dental insurance

What Does Dental Insurance Cover?

Dental plans typically cover four categories of treatment: preventive, diagnostic, basic and major care.

Individual plans vary, so you’ll want to closely read the details of any plan you are considering to determine what it covers and which limitations and exclusions apply. In addition, review the annual maximum, which is the maximum amount of dental benefits provided per plan year.

The list below includes common examples of dental insurance treatments for adults and children alike.*

*The common examples below are not a complete list of coverages, exclusions and limitations.

What Dental Insurance Usually Covers

  • Cleanings + office visit check-ups
  • Extractions
  • X-rays
  • Fillings
  • Crowns, bridges + root canals

What Dental Insurance Usually Does Not Cover

  • Anything after the plan’s annual maximum benefit amount has been reached
  • Elective cosmetic procedures (e.g., tooth-whitening)
  • Orthodontics (e.g., braces)
  • Implants
  • Prosthodontics (dental prostheses)
  • Oral care related to a medical condition (e.g., TMJ)
  • Prescription drugs + oral analgesic pre-medication

The Pros and Cons of Dental Insurance Coverage*

dental insurance pros
  • Guaranteed issue– Applicants beginning at age 18 and older are guaranteed acceptance regardless of their medical health history, including covered dependents if applicable (however, rates are based on age and location).
  • Covers pre-existing conditions– Many dental insurance companies provide oral coverage with no pre-existing condition limitation, with the exception of services started before the plan becomes effective or for oral conditions that might contribute to additional dental treatments not covered by the policy.
  • Apply year-round– There is no official open enrollment period and, in most cases, coverage begins the next day after you enroll online.
  • Flexibility– An indemnity plan can afford you more options because there are no provider networks. You can see any dentist you would like. On the other hand,  a PPO or HMO  plan can help lower your out-of-pocket expenses by using an in-network provider. Either way, it’s your choice.
  • Options for every budget– Coverage amounts can vary based on the plan you select,, which means you can find a plan with the level of coverage you need at the right monthly premium rate for your budget.
  • Low deductibles– There is typically an annual deductible with most dental insurance plans

Find Answers to Dental Insurance Questions

What is dental insurance? open What is dental insurance?
Are dental plans ACA-compliant? open Are dental plans ACA-compliant?
Who should consider dental insurance? open Who should consider dental insurance?
How much does dental insurance cost? open How much does dental insurance cost?
What does dental insurance cover? open What does dental insurance cover?
How does dental insurance work? open How does dental insurance work?
Do I need my dental treatment to be pre-authorized by the insurance company? open Do I need my dental treatment to be pre-authorized by the insurance company?
Will dental insurance cover services only for in-network providers? open Will dental insurance cover services only for in-network providers?
Is there an annual or lifetime maximum limit to a dental insurance policy? open Is there an annual or lifetime maximum limit to a dental insurance policy?
When can you get a dental plan? open When can you get a dental plan?

Dental Insurance Resources

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How Does Dental Insurance Work?
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What is the Best Dental Insurance?
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Family Dental Insurance for Kids and Adults
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Dental Insurance for Seniors
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How Much Does a Dental Cleaning Cost Without Insurance?
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Common Dental Procedures – Cost + Insurance Coverage
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Have Questions? Speak to an Agent

Speak to a licensed health insurance agent during business hours for help understanding your options and enrolling in coverage.