Dental Insurance
Explore preventive dental coverage and options for cleanings, exams, and more for you and your family.
Why It Matters
Oral health is connected to overall health. Regular preventive care can catch issues early, and dental insurance makes those visits more affordable while providing a safety net for unexpected procedures.
Key Benefits
- Preventive exams and cleanings often covered at 100%
- Reduced costs for fillings, crowns, and other procedures
- Orthodontic coverage options on some plans
- No referrals needed to see specialists
What to consider
- Participating dentists and covered services
- Annual benefit maximums and deductibles
- Waiting periods and procedure exclusions
Common questions
What's typically covered at 100%?
Most plans cover preventive services like cleanings, exams, and X-rays at 100% when you visit in-network providers. Basic and major services usually have coinsurance (e.g., 80%/50%).
Are there waiting periods for major work?
Many plans have waiting periods (6–12 months) for major services like crowns, bridges, and dentures. Preventive services usually have no waiting period.
What's an annual maximum?
This is the most the plan will pay for covered services in a calendar year. Once reached, you pay 100% of additional costs until the next year. Typical maximums range from $1,000–$2,000.
Why It Matters
Oral health is connected to overall health. Regular preventive care can catch issues early, and dental insurance makes those visits more affordable while providing a safety net for unexpected procedures.
Get Help with Dental Insurance
Speak with a licensed agent about your options and get personalized guidance.
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