Understanding Dental Insurance: What It Means for You

How Dental Insurance Works

Dental insurance operates differently from medical insurance. Most dental plans follow a 100-80-50 coverage structure:

• 100% coverage for preventive care – This includes routine check-ups, cleanings, and X-rays.

• 80% coverage for basic procedures – Fillings, simple extractions, and some periodontal treatments usually fall under this category.

• 50% coverage for major procedures – Crowns, bridges, dentures, and root canals typically receive partial coverage.

Each plan has its own annual maximum, which is the limit the insurance company will pay per year. Once you reach this amount, you are responsible for any additional costs out of pocket.

How Insurance Affects Your Treatment Plan

While dental insurance helps reduce costs, it also comes with limitations:

• Waiting periods – Some plans require you to wait a certain amount of time before they cover specific procedures.

• Network restrictions – Many plans only cover services performed by in-network providers, which can limit your choices.

• Coverage exclusions – Cosmetic procedures, such as teeth whitening, are typically not covered.

Because of these restrictions, insurance doesn’t always cover the full cost of necessary treatments. It’s important to discuss your benefits with your dental provider to avoid surprises.

What If You Don’t Have Dental Insurance?

If you don’t have insurance, you still have plenty of options to receive quality dental care at an affordable price. At Line Dental, we offer:

• Third-party financing – We work with financing companies that allow you to pay for treatments over time with low or no interest.

• In-house membership programs – Our membership plans provide discounts on preventive care and restorative treatments for a flat annual fee.

Your oral health is essential, and financial concerns should never stand in the way of a healthy smile. Whether you have insurance or not, Line Dental is committed to helping you find the best solution for your dental needs. Contact us today to learn more about our flexible payment options!