Most dental insurance plans will have a maximum they will pay each year. This usually ranges from $500-$5000 each year. Often, the maximum benefit will grow each year during the first 2-4 years of the plan.  The maximum benefit does not carry over from year to year if it is unused.

Yes, most dental plans will have a deductible. A deductible must be paid before coverage will begin on covered services. The deductible will most often only apply to basic and major services, not preventative care. Deductibles usually range from $50 to $100 per person on dental plans.

No, we offer several plans that do not require waiting periods. However, coverage is usually lower the first 1-2 years on these types of plans. 

Preventative care on a dental plan usually refers to services such as preventative exams, cleanings, fluoride, space maintainers, x-rays, and periodontal maintenance. Look at your plan’s summary of benefits to determine what your plan specifically covers.

Almost all dental insurance plans cover fillings. Depending on the plan, your dental insurance carrier may pay up to 80% of the cost. 

Almost all dental plans use a network of dentists that will offer cost savings by staying “in-network”. You can potentially save up to 50% by using an in-network dentist. Some plans will offer out-of-network coverage at a higher cost.

If you are just getting your teeth cleaned each year, you will most likely lose money by paying for dental insurance. Although, if you are having fillings or major services done on a regular basis, you can potentially save hundreds or thousands each year.

Most dental plans do not. However, a few higher-level plans will offer some orthodontic coverage with a lifetime maximum per person.