What Dental Insurance Covers

Dental insurance might not sound exciting, but it’s a game-changer for keeping your smile healthy without breaking the bank. Most plans cover a range of services, typically split into three categories: preventive, basic, and major care. At KP Insurance Solutions, we’ve helped clients understand exactly what their policies include, so they can plan their dental care with confidence. Let’s break down what you can expect—and what might not be covered.

Preventive care is usually covered at 100%, because insurance companies know that catching problems early saves money later. This includes routine checkups (twice a year), cleanings, and X-rays. For example, a $50 cleaning might cost you nothing out of pocket with a good plan—pretty great, right? Basic care, like fillings or simple extractions, often gets 70-80% coverage after a deductible. So, if a filling costs $150, you might pay $30-$45. Then there’s major care—think crowns, root canals, or bridges—which typically gets 50% coverage. A $1,200 crown might leave you with a $600 bill, but that’s still a big help. These percentages vary by plan, so it’s worth checking the fine print.

What’s not covered? Cosmetic procedures like teeth whitening or veneers are usually out—insurance focuses on health, not Hollywood smiles. Orthodontics (braces or Invisalign) might be included for kids but not adults, though some plans offer add-ons. And watch out for annual maximums—many plans cap benefits at $1,000-$2,000 per year. A client once had a root canal and crown in the same year, hitting her $1,500 limit fast. At KP Insurance Solutions, we recommend timing big procedures across calendar years to stretch your coverage further. It’s all about knowing your plan’s limits and making them work for you.

Dental insurance isn’t one-size-fits-all, but it’s designed to keep your teeth—and wallet—in good shape. Whether it’s a routine cleaning or an unexpected root canal, a solid plan reduces the sting of dental bills. Not sure what your policy covers? That’s where KP Insurance Solutions comes in—we’ll walk you through the details and find a plan that fits your needs, so you can focus on smiling, not stressing.