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Here’s what dental insurance typically covers.
When you sign up for dental insurance, you pay a monthly premium and possibly a deductible, depending on your plan. Most plans cover preventive care at 100% and a percentage of other dental work until you reach your annual maximum. After that, you’ll pay for the rest out of pocket until your plan resets. Dental insurance usually 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.
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