Dental

Individual dental insurance benefits are typically packaged as preventive services, basic restorative services, major restorative, and orthodontics. Common definitions are listed below:

• Preventive services: Initial and periodic exams, cleanings, and fluoride treatments.
• Basic services: X-rays, fillings, simple extractions, and sealants.
• Major restorative: Oral surgery, endodontics, crowns, bridges, and dentures.
• Orthodontics: Straightening of teeth.

The insurance may include a deductible, co-insurance percentages, and a maximum annual payout. There will typically be waiting periods to meet before benefits are paid or the highest level of benefits is reached.