Maryland Dental Insurance Plans

The dental plans available in Maryland commonly cover preventive services such as routine exams, cleanings, and X-rays. Basic procedures like fillings and extractions are often covered as well. Some plans may also include coverage for more advanced procedures like root canals, crowns, and orthodontic treatment, although coverage levels and limitations may vary.

Most dental insurance providers offer online tools or customer service hotlines to help members find dentists who participate in their network. You can usually search for dentists by location and filter by network participation. It’s important to choose an in-network dentist to maximize your benefits and minimize out-of-pocket costs.

A deductible is the amount of money you must pay out of pocket before your dental insurance begins to cover eligible expenses. For example, let’s say your plan has a $50 deductible and you need a filling that costs $150. You would pay the deductible of $50, as well as the 20% of the remaining amount. Insurance would pay the other 80%.  Deductibles typically reset annually. Benefits vary by plan.

Yes, some dental insurance plans may have waiting periods for specific procedures, especially major services like crowns, bridges, or orthodontic treatment. Waiting periods can vary depending on the plan and the insurance provider. It’s essential to review your plan documents carefully to understand any waiting periods that may apply.

The annual maximum benefit is the maximum amount of money that your dental insurance plan will pay toward covered services within a calendar year. Once you reach this limit, you will be responsible for paying the cost of any additional dental treatments for the rest of the year. Annual maximums vary by plan and can range from $1000-$1,500. Understanding your plan’s annual maximum can help you budget for dental expenses and plan your treatment accordingly with your dentist