Dental Insurance 101

According to most dental insurance companies, dental procedures are broken down into three categories:

  1. Preventative: Most insurance companies consider routine cleanings and examinations as preventative dental care, however, X-rays, sealants, and fluoride can be deemed as preventative or basic, depending on the specific insurance carrier.
  2. Basic or Restorative: Basic or restorative dental treatment usually consists of fillings and simple extractions. Root canals can be considered basic or major. However, the majority of dental plans list root canals as basic.
  3. Major: Crowns, bridges, dentures, partials, surgical extractions, and dental implants are dental procedures that most dental insurance companies consider as a major procedure.

Since all dental insurance carriers are different, it is important to clarify which dental procedures fall under each specific category. This is important because some insurance plans don’t cover major procedures and others have waiting periods for certain procedures. You must also consider that every insurance plan has a yearly maximum. Once you have reached this maximum, the insurance company will not pay out any more benefits until the following year. This includes all treatment and hygiene visits.

So to have or not to have, that is the question.

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