Most dental plans follow a 100/80/50 structure: preventive care (cleanings, exams) covered at 100%, basic work (fillings) around 80%, and major work (crowns, bridges) around 50%, subject to an annual maximum benefit (often $1,000–$2,000) and sometimes waiting periods. DHMO plans are cheaper but network-restricted; PPO plans cost more but offer more flexibility.
Dental Insurance
Dental plans are structured differently from medical coverage, with tiered benefits and annual maximums. These FAQs explain how dental insurance works and what to watch for.