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Full Coverage Dental Insurance
What is Full Coverage Dental Insurance?
While basic dental plans may only cover preventive care, full coverage dental insurance helps manage costs for a wide range of dental procedures. Whether it’s routine preventive care, basic dental work like fillings, or more extensive restorative procedures like crowns, bridges or dentures, a full coverage insurance plan typically covers virtually all essential dental services.
Why Choose Full Coverage Dental Insurance?
Restorative dental care procedures are costly. Depending on your oral health and/or budget, you may want dental insurance that covers the more expensive treatments instead of just the preventive care offered by basic dental insurance plans.
Need dental coverage?
DentalPlans.com offers over 25 affordable dental insurance and dental savings plans.
What Does Full Coverage Dental Insurance Include?
Full coverage dental insurance typically includes a variety of dental services. Here’s a breakdown of what full coverage dental insurance generally includes:
Preventive Care
This often covers routine dental services such as cleanings, X-rays, and exams. Preventive care is usually covered at 100%, meaning there are no out-of-pocket costs for these essential services.
Basic Care
Basic care includes services like fillings, tooth extractions, and deep cleanings. Most full coverage dental insurance plans cover basic care at 80%, meaning you would only be responsible for 20% of the cost.
Major Care
Major dental work, such as crowns, bridges, dentures, and root canals, is typically covered at 50%. This type of care addresses more complex dental issues that go beyond basic treatments, and is vital to ensure your oral health remains in good condition.
Orthodontic Care
Some full coverage dental insurance plans also cover orthodontic care, such as braces or other alignment treatments. However, coverage for orthodontics may vary, and not all plans include it, so it’s important to review a plan’s specific details.
What doesn’t full coverage dental insurance include?
Always check a plan’s details as coverage varies, but these procedures are typically not included even in comprehensive dental insurance plans:
- Cosmetic procedures: Such as teeth whitening, overlays and inlays
- Dental implants: Are often classified as cosmetic (optional) care
- Existing dental issues: Concerns that you had prior to purchasing dental insurance, or dental treatments already in progress
Full Coverage Dental Insurance Options
Understanding what dental work is covered and what costs you would be responsible for is crucial when choosing the right dental insurance plan. For those who anticipate needing major dental work may benefit from comparing full coverage dental insurance to dental savings plans, as savings plans do not have annual limits that can be maxed out after just one major procedure. Dental insurance plans and dental savings plans can both save you money on dental care, but each has its own advantages:
- PPO dental insurance lets you choose any dentist you want to see in-network, and you can often choose to see an out-of-network dentist. You will save more if you stay within your network. PPO comprehensive plans are often more expensive than HMO dental insurance. Many PPO plans have an annual maximum limit of $1000-$1500, when you exceed the limit, you pay out of pocket until your insurance resets at the end of the plan year.
- HMO dental insurance doesn’t offer out-of-network coverage. If you see a dentist out of network, you will likely pay out of pocket. A DHMO does not typically have an annual spending limit but may restrict when and how often you can get certain types of dental procedures.
- Dental savings plans offer unlimited access to reduced rates on virtually all dental procedures. Unlike dental insurance, dental savings plans do not have waiting periods for any type of care, no deductibles, no annual limits, and there are no restrictions on getting care for pre-existing conditions. This flexibility makes dental savings plans a great option for those who need immediate or extensive dental work.
Choosing the right option – dental savings plan or dental insurance – depends on your dental needs and budget. The quickest way to find a plan that fits those needs is to take our online plan finder quiz – answer a few quick questions and get a personalized plan recommendation on the spot.
Get Full Coverage for Your Dental Health Today
Don’t wait to secure the dental insurance coverage needed. Full coverage dental insurance can help manage the cost of dental services and maintain dental health for years to come. Explore DentalPlans.com to find the best dental insurance plans tailored to individual needs and get started on the path to a healthier smile today.