While dental insurance has a monthly premium like health insurance, many plans have a coinsurance structure. That is why when researching dental insurance plans for yourself and your family, you may want to consider how much coverage you might need.
Typically, PPO plans use a 100/80/50 coinsurance structure. Here is how that breaks down:
- 100% for preventive care including cleanings, exams, and X-rays
- 80% for basic procedures, such as fillings
- 50% for major procedures, such as crowns and dentures
Keep in mind, no two dental plans are alike. However, there are two main choices:
1. A medical plan that includes dental benefits (convenient, but may have coverage limitations)
2. A stand-alone dental insurance plan (more flexibility, more coverage options)
Some of the benefits of a stand-alone dental plan can include no dental insurance waiting periods so that you can take care of your dental health right away. Many stand-alone dental plans also include low deductibles and no copays for preventive care.