It is now possible to buy individual dental insurance through some associations. These plans are somewhat similar to group dental insurance plans offered by employer group plans. Most plans offer coverage for three levels of care:
Preventive Care: Most plans cover checkup exams and cleaning at 100% twice a year which encourages you to use this feature and hold down dental care expense.
Basic or Restorative Care: This coverage usually covers dental work such as fillings, extractions and sometimes root canals. These services are usually covered at 80% of the dentist’s charge.
Major Care: This provision covers dental services for crowns, bridges, dentures, partials, surgical extractions and implants. These are expensive items and most policies usually limit this benefit to 50% and even have a waiting period of a year. Most plans also have an annual benefit limit of $1,000 to $2,000.
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