Cost & Coverage
Understanding Dental Insurance and Coverage
Dental insurance can be confusing. This overview covers common terms so you can have a more informed conversation about coverage.
Key Terms to Know
Premium
The recurring amount paid to maintain coverage, usually monthly.
Deductible
The amount you pay before insurance begins to contribute for covered services.
Coinsurance
The percentage of a covered service you are responsible for after the deductible is met.
Annual Maximum
The most a plan will pay toward covered services in a benefit year.
Waiting Period
A period after enrollment before certain services are eligible for coverage.
Common Coverage Categories
Coverage percentages and included services vary widely between plans.
- Preventive services such as exams and routine cleanings
- Basic services such as many fillings and simple extractions
- Major services such as crowns, bridges, dentures, and root canals
- Orthodontic and cosmetic services, which are handled separately by most plans
Questions to Ask Your Plan
- What is my annual maximum and how much has been used this year?
- What is my deductible and has it been met?
- Are there waiting periods for the treatment I need?
- Is my dentist in network for my plan?
If You Do Not Have Dental Insurance
Uninsured patients can ask the office about self-pay options, payment discussions, and how estimates for planned treatment are handled. Being upfront about budget helps everyone plan responsibly.
Frequently Asked Questions
Related Resources
Request a Dental Appointment
Call or submit the appointment form and describe the general reason for your visit.
Submitting a form does not establish a dentist-patient relationship, confirm an appointment, or guarantee treatment availability.