Dental insurance is a type of health insurance that helps pay for the cost of dental care, including preventive care, basic restorative care, and major restorative care. Preventive care includes services like cleanings, exams, and fluoride treatments. Basic restorative care includes services like fillings, crowns, and bridges. Major restorative care includes services like dentures, implants, and root canals.
Most dental insurance plans are offered through employers, but they can also be purchased directly from insurance companies. Dental insurance premiums vary depending on the type of plan and the level of coverage. Some plans have deductibles, which are the amount you have to pay out-of-pocket before the insurance starts to cover costs. Other plans have copayments, which are fixed amounts you pay for certain services.