Will Health Insurance Pay For Root Canal? 
No , root canals are covered under Dental Insurance Policies , and usually as a basic service . You would need to purchase a dental plan to cover that procedure . Most traditional dental plans cover it as a basic service , with an 80/20 coinsurance after the deductible . That 's where you pay the deductible first , then the plan pays 80 % of the bill , and you pay 20 % . But , before you just buy a dental plan , and go get the procedure , check to make sure what the waiting period for basic services is ... Many dental plans have a 6-12 month waiting period for those types of procedures . 