Dental

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

• Preventative 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: straighten 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.