Dental insurance is specifically designed to cover part of the costs associated with preventive care, such as a regular cleaning and check-ups, along with a portion of the costs for more extensive procedures like fillings, root canals, and crowns. Unlike medical insurance, which often covers a broad range of health issues after a deductible is met, dental plans typically have a maximum coverage limit per year and may only cover certain types of treatments.

The annual maximum is the total amount your dental insurance plan will pay for your dental care in one year. Once you reach this limit, any additional costs will be out-of-pocket. Our team will help you understand your annual maximum so you can plan your treatments accordingly and maximize your benefits.

The patient portion, or out-of-pocket cost, refers to the amount of money you are responsible for paying after your insurance has contributed its share. This includes deductibles, copayments, and any costs over your annual maximum or for procedures not covered by your insurance.

Dental insurance plans typically categorize procedures into three main groups: preventive, basic, and major. Preventive care (like regular cleanings and exams) is often covered at 100%, basic procedures (such as fillings and root canals) at 70-80%, and major services (including bridges and crowns) at 50%. Insurance coverage can vary widely, so it’s important to understand what your specific plan covers. If you're unsure of your coverage, we're more than happy to help you understand what your specific insurance entails.

When your insurance covers a procedure, it means they will pay a portion of the cost according to the terms of your policy. However, coverage doesn't always mean the full cost is paid; it depends on your plan's coverage levels for different types of treatments and whether the procedure is considered necessary. It's important to verify with your insurance provider about what is covered and what your financial responsibility will be before receiving treatment.