Dental insurance is a health benefit plan that helps cover the cost of dental care, including routine check-ups, cleanings, X-rays, fillings, and more extensive procedures like root canals, crowns, and orthodontics. Most dental insurance plans operate on a 100-80-50 coverage model: 100% coverage for preventive care, 80% for basic procedures, and 50% for major procedures. Plans often include an annual maximum benefit limit and may have waiting periods for certain treatments. Dental insurance can be obtained through employer-sponsored plans, individual policies, or government programs. By reducing out-of-pocket costs, dental insurance encourages regular dental visits, which are essential for maintaining oral health and preventing more serious dental issues.
