How dental insurance actually works, in plain language
By Front desk team
Most dental plans work on a simple split: preventive care (cleanings, exams, X-rays) is often covered close to 100%, basic procedures (fillings) around 70-80%, and major work (crowns, root canals) closer to 50%, all up to an annual maximum that resets each year.
'In-network' means we've agreed to a set fee schedule with your insurer, which usually means lower out-of-pocket costs for you than an out-of-network office. We're in-network with most major PPO plans — send us your details before your visit and we'll estimate your cost ahead of time.
The most common surprise is the annual maximum running out mid-treatment. If you're facing bigger work, we'll talk through timing options — like splitting treatment across two calendar years — so cost stays predictable.
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This post is general information, not a diagnosis — reach out and we'll look at your specific situation.
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