Before deciding on a plan, it’s important to be aware of what it covers. Dental insurance plans can be divided into two groups – basic and full coverage.
Basic dental plans cover preventative care costs. This includes coverage for routine dental visits, professional cleanings, and dental x-rays. Some plans will also offer partial coverage for basic procedures like fillings. However, your insurance co-pay will generally be higher.
Full-coverage plans generally cover the same things as basic plans. You can expect preventative care coverage and basic procedures. However, they offer coverage for a wider range of procedures, as well as the percentage that is covered is higher.
With a full-coverage plan, procedures like crowns, root canals, and extractions may be covered. Plus, more advanced procedures like dentures, dental implants, braces, Invisalign, and other orthodontic procedures may also be included.
The name full-coverage is slightly misleading because they still won’t cover 100% of your dental costs. Plus, each plan has its own list of covered treatments. Be sure to read the fine print carefully before undergoing dental treatment.