Dental insurance provides different levels of coverage for basic and more premium dental procedures such as root canals, crowns and fillings. Cheap dental plans only cover basic treatments and preventive care, such as dental exams, while premium plans help lower the cost of more extensive dental treatments.
You will be required to pay a monthly insurance premium, and you may be asked to pay an annual or lifetime deductible, in addition to copayments, when you access dental care.
Whereas the Affordable Care Act abolished limits to health care coverage within each year, most of the best dental insurance plans have annual limits as low as $750 per person. Once that limit has been met, you will have to pay out of pocket for any remaining dental care required.
The other thing you are likely to come across with a dental insurance plan is waiting periods - how long you have to wait (and pay) before you can access treatment. These vary between dental insurance companies and the type of dental care you require.