Dental coverage is similar to regular medical insurance and is one of the voluntary benefit options commonly offered through employers. When you have dental insurance, you pay a premium and then your insurance will cover part or all of the cost for many dental services.

Professional dental care can diagnose or help prevent common dental problems including toothache, inflamed gums, tooth decay, bad breath and dry mouth. If conditions like these remain untreated, they can worsen into painful and expensive problems such as gum disease or even tooth loss. According to the American Dental Association, more than 16 million children in the United States suffer from untreated tooth decay, the most common chronic childhood disease. Regular dental exams can not only treat dental problems but can also identify other serious health concerns, including some types of cancer. Dental coverage will allow you to inexpensively receive preventive and diagnostic care.

Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery. The type of service or procedure received determines the amount of coverage for each visit. Each type of service fits into a class of services according to complexity and cost. Services are generally broken up into the following classes:

Class I – diagnostic and preventive care (cleanings, exams, X-rays)

Class II – basic care and procedures (fillings, root canals)

Class III – major care and procedures (crowns, bridges, dentures)

Class IV – orthodontia (braces)

Because dental coverage typically focuses on preventive care, Class I services are covered at the highest percentage. Class II services are then covered at a slightly lower percentage, followed by Class III services, which are covered at the lowest level. Class IV services are frequently covered under a separate lifetime maximum and often limit coverage to children under the age of 19.

In addition to the class of service, coverage also depends on other factors. Several common services are limited by frequency (i.e. two cleanings and exams per year). For more complicated procedures, coverage is often limited to a maximum dollar amount. Age is yet another factor. For example, fluoride treatments are typically covered for children, but not adults. Cosmetic procedures, such as teeth whitening, are rarely covered.

Dental coverage works similarly to a medical insurance plan. You pay premiums, and then the insurance will cover dental costs according to the benefits listed in the plan. The routine exams and cleanings are usually covered at 100%, but other services are often subject to a copay or deductible and coinsurance. Every plan is different, so you will need to read your benefit information carefully to understand your coverage.