Most dental insurance plans have an annual maximum. If you spend more on dental care than your plan’s annual maximum during the policy period, you have to pay the difference out of pocket. For people who need frequent dental care, a plan with an annual maximum may not offer suitable coverage.
Should you choose a dental insurance plan with no annual maximum?
For that reason, choosing a dental insurance plan with no annual maximum can help you reduce your out-of-pocket spending on dental care. These plans are especially beneficial if you need or anticipate needing major dental care such as dentures or surgical extractions, which often have high treatment costs.
How much does dental insurance cover?
Annual maximum insurance payout of $1,000 in year 1, then $2,000 in year 2 and after. 100% in-network coverage right away for Preventive care such as cleanings and bitewing X-rays. No waiting period for Basic care such as fillings and simple extractions. No waiting period for Major care such as crowns and root canals.
