Luckily, dental insurance policies are typically straightforward and specific in regards to what procedures are covered. Problems related to teeth and gums, as well as preventative care, are covered while cosmetic procedures, such as whitening, are not covered. Procedures are often grouped into three main categories: preventative, basic and major. Preventative care includes cleaning and X-rays. Basic care can include filings and extractions. Major procedures examples are crowns and bridges. Most dental policies have waiting periods, ranging anywhere from 6 months to up to two years before restorative dental work is covered by the plan. Much like health insurance, your dental policy will include deductibles, co-pays and coinsurance. A deductible is the amount you must pay before the policy pays out, while a copay is set dollar amount. Once the deductible is met, policies typically only cover a certain percentage of the remaining costs; this percentage is called coinsurance. Many policies also include annual coverage maximums. Once a patient reaches their plan’s yearly maximum, they must pay out of pocket for any remaining work. Premiums for this type of coverage can vary depending on the insurance company, the plan you choose, your age and your location.

Dental insurance is used by many people as an effective budgeting tool to help them maintain their dental health and great smile.