Dental insurance is an excellent supplement to your current health insurance coverage, and to ensure you fill in the gaps left behind by Original Medicare Part A & Part B. dental plans usually cover between 20%  and 80% of your billed services. For example, let’s say your dental insurance plan deductible is $250, your coverage is 75%. Once you’ve paid the $250 out-of-pocket expenses, the remaining balance will be covered up to 75% by your dental insurance plan. Also, most dental insurance plans have a waiting period before your full coverage kicks in. Waiting periods can range from 6-months to a year.

Dental Insurance: Is it worth the cost?

Dental insurance benefits can be confusing and difficult to understand. Working with a licensed insurance agent can help get a better understanding of waiting periods, deductibles, and how specific services are covered.

When it comes to dental benefits, preventative coverage is usually covered at 100% across different dental insurance plans. Some examples of preventative coverage include routine cleanings, x-rays, sealants, and fluoride treatments.  Additional coverage in most dental insurance plans include necessary procedures, such as root canals, extractions, and insurance plans traditionally cover a percentage of these services after you have met your dental insurance plan deductible. Major dental services like bridges, dentures, and crowns are usually covered in a smaller percentage.

When looking at a study on the current cost of dental services:

Common cleaning and check-up costs vary depending on your situation and where you live.
Average check-up costs: $288*
*Which covers an exam, x-rays, and cleaning.

Filling treatments are more expensive than check-ups, but hold stable prices in the following ranges:
Silver amalgam filling: $50 to $150 for a single*
Tooth-colored composite filling: $90 to $250 for a single*
Cast-gold or porcelain filling: $250 to $4,500 for a single*
*In most cases, these prices can increase if the filling is in a “hard to reach” place like back morals.

“Non-surgical” and “surgical” tooth extractions are required when the tooth is unrepairable. In general, both types of tooth extractions will need anesthesia, and the costs depend on the length and difficulty of the extraction.
Non-surgical, gum-erupted tooth extraction: $75 to $300*
Surgical extraction utilizing anesthesia: $150 to $650*
Soft-tissue and complicated surgical extractions: $185 to $600*
Wisdom tooth extraction: $75 to $200*
*Impacted teeth can also boost costs up to $600, depending upon the tooth’s location.

Crown placement is to protect a tooth’s “outside area,” and they usually follow a root canal treatment. A crown’s cost can substantially vary based on the materials used:
Resin crown: $328 per single on average
Porcelain-fused crown: $821 per single on average
Full cast high noble metal crown: $776 per single on average

Root canal treatment is also known as “root cutting,” is used on patients with infected, damaged, or exposed tooth roots, and the costs are tied to the procedure’s difficulty.
Exposed root removal procedure: $120 for a single on average
Residual tooth root removal procedure: $185 for a single on average

Some of the costs of these procedures may seem extremely affordable to you, but they will add up quickly over time as most of these are “per single.” All of these average dental procedure costs come from


How Do You Use Dental Insurance?

Dental insurance plans have a list of out-of-network dentists and in-network dentists, just like your traditional health insurance plans. Staying in your dental insurance plan network will allow you to pay less because the dental insurance plan covers more. Going out of your dental insurance plan network will have you paying more.

Depending on your dental insurance plan and your preferred dental provider, you may have to pay for your dental work at the office first; then, your insurance company will reimburse you. If this is the case for you, you will need to be prepared to pay when you visit your dentist. Contact your dentist ahead of time to find out if the office will file the claims for you. Find out what forms you will need to fill out and send it to your dental office if they don’t file the claims for you.

Some insurances may require pre-approval from your dental provider with the documentation for any dental work outside of annual cleanings and other necessary check-ups. Before going in for the appointment, call and verify that your dental provider submitted the claims to your insurance to ensure the services have been pre-approved, and you’re not left with unnecessary out-of-pocket expenses. For an emergency procedure, you can also call your insurance and see if you need to wait for the approval. Taking these steps to make sure the claims are approved before any work is done will save you tons of time later on.

When you find that working with your dental insurance plan becomes a tedious process, this may indicate you need help from a licensed sales agent to assist with dental plan comparisons. Many dental plans make changes to services covered and their networks annually. While dental insurance plan premiums may stay the same, covered services can change. It’s good practice to have your Medicare health plan and dental insurance plans reviewed annually to ensure the coverage meets your medical and financial needs.

If you’re unsure about your coverage options in your current dental insurance plan, or if you’re searching for adequate dental coverage – click here to schedule your no-cost review today, or to speak with a licensed sales agent now call 1-833-897-8965.