Dental Insurance pays a portion of costs associated with preventive, minor, and some major dental care.

• Dental plans include coverage for preventive care like routine exams, cleanings, and x-rays. Some plans require a copay for preventive services, while others cover those services 100% with no copay.
• Most plans cover preventive services, though exact benefits depend on the plan you choose. Many dental plans also cover basic services like fillings and extractions. They also include major procedures like root canals and crowns.
• Some insurance plans have waiting periods. Sometimes there are no waiting periods on preventive services once you become covered.
• As soon as you purchase the dental insurance you would be able to use the preventive care benefits. While some plans have no waiting periods, on other plans basic and major services may have waiting periods ranging from 4 to 12 months.
• By choosing in-network dentists who accept lower negotiated rates, you pay less out of pocket before your insurance carrier even gets involved. Out-of-network dentists can bill a patient for any remaining amount up to the billed charge. It’s always a good idea to ensure your doctor is in-network before you buy a dental plan. If you already have a dentist, be sure to confirm they are in-network to assure a more affordable experience for yourself.
• Many dental plans have no age limit for coverage, so customers of any age can enroll. However, Medicare-eligible customers can choose specialized plans that offer more age-relevant benefits.