Dental insurance is to provide coverage for the day to day routine dental work with some coverage for basic and major restorative work. Dental insurance will not cover the major total mouth restoration that could cost $30,000 to $50,000. Most dental insurance plans will have annual limits of $1,000, $1500 or $2,000 per person. These plans will cover three areas of care, preventative, basic restorative and major restorative. 


Preventative includes twice-a-year cleanings, x-rays, and fluoride treatments for children. The basic restorative coverage is for fillings, surgery, extractions and the better plans will also cover root canal under the basic coverage. The major restorative is for crowns, bridges and dentures. Coverage on the three areas is usually 100% for preventative, 80% for basic and 50% for major work. These percentages can be changed to lower the premiums or increased if more coverage is desired. The best group rates for dental are for companies with 10 or more employees applying for coverage.



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