What dental insurance benefits are generally included in a company's health plan?

Dental insurance coverage varies based on the plans that employers select and the ones employees choose. Many dental plans cover preventive services, such as regular cleanings and exams, at 100%. Basic procedures, like fillings, are often covered at 70-80%. More complex treatments, such as crowns or root canals, are usually covered at 50%. Annual maximums range generally from $1,000 to $2,000 per person, but some plans offer higher limits. Plans may include coverage for orthodontics with separate lifetime limits.

Is dental insurance a separate benefit from regular health insurance?

Yes, most U.S. health insurance and dental insurance plans remain separate. Some health insurance plans include limited dental coverage for emergencies, but not regular dental care. Employers may use different carriers, with individual premiums and deductible requirements. This approach allows employees to choose dental coverage according to their needs.

Are there waiting periods for dental insurance benefits?

Each company and benefit package is different, but many dental plans impose a benefit waiting period. Some employers negotiate immediate coverage for all services. In most cases, preventive care begins upon enrollment. Basic procedures may have a waiting period of 3-6 months, and coverage for major dental work may start after 6-12 months. The waiting period for orthodontic coverage can be 12-24 months. Be sure to review your company’s policy to understand when your dental coverage begins.