What Is Dental Insurance?
Dental insurance provides coverage to pay for the dental care of you and your family. It offers payment for regular checkups and exams, dental emergencies, and various other types of services.
We believe it’s important for our patients to have a basic understanding of various types of insurance. Our mission is to provide you with a better understanding of what to expect from your insurance coverage.
Useful Terms & Definitions
Here’s a breakdown of some common terms and definitions used when discussing dental insurance:
- Fee Schedule – list of costs of all services provided during your appointments
- Network – a single or multiple insurance companies that contract with dentists to accept a specific fee schedule
- Subscriber – the purchaser of the policy or employee of the company that’s attached to the dental insurance
- Annual Maximum – the amount of money the insurance will pay out yearly, ranging from $250 to $2,500 or more, with an average of $1,000-$2,000
- Deductible – the amount the patient must pay before the insurance starts paying, usually applied annually
- Frequency – how often insurance will pay for certain procedures
- Limitation – things insurance companies or networks won’t pay for, like certain treatments, frequency of treatment, or waiting periods