Five dental plan details to compare
Preventive services
Check coverage for routine exams, cleanings and X-rays and whether the deductible applies.
Basic services
Review how fillings, simple extractions and other basic procedures are classified and paid.
Major services
Look closely at crowns, bridges, dentures, implants and root canals; definitions and coverage vary by plan.
Annual maximum
Dental insurance often has a yearly benefit maximum. Know the dollar limit and what counts toward it.
Waiting periods
Some plans delay coverage for certain basic or major services. Waiting periods can be especially important if treatment is already planned.
Network & fee schedules
Using participating dentists may reduce your cost. Check whether your dentist is in network before enrolling.
Dental coverage and Medicare
Original Medicare generally does not cover routine dental care. Some Medicare Advantage plans offer dental benefits, but those benefits vary. A separate dental policy can be considered based on the services and providers you want covered.