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Dental insurance helps pay for treatments like cleanings, fluoride applications, fillings, and oral surgery that improve the overall health of teeth and gums. In some cases, people with dental insurance may have to wait a period before their insurance company pays a portion of the costs. Since dental insurance coverage is not standardized, each plan differs from the next. For example, one plan may not cover braces or Invisalign while another will cover orthodontic treatments. Take the time to research different insurance plans before purchasing one to ensure you are paying for dental coverage you need and will use.

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1. What Procedures are Covered by Dental Insurance?

Most dental insurance plans cover the following procedures:

  • Dental exams and cleanings every six months
  • Dental x-rays
  • Amalgam or white fillings
  • Dental crowns
  • Bridges
  • Extractions
  • Root canals
  • Some kinds of oral surgery
  • Emergency dental treatments
  • Dental insurance provided by employers generally does not pay for cosmetic dentistry (veneers, teeth whitening) or orthodontia to correct crooked teeth. However, employer dental insurance may pay for braces if the dentist submits a report stating the procedure is necessary to restore and maintain oral health.

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