Dental Insurance for Cost Savings Large and Small

Unexpected dental expenses can be very costly. The average cost of a porcelain crown or a root canal without dental insurance is well over $1,000!

Most dental insurance plans include coverage for 3 types of dental expenses:

Preventive care – this category typically includes check-ups, teeth cleanings, and preventive X-rays.
Basic dental services – this category typically includes cavity fillings, simple tooth extractions, and X-rays associated with basic dental services.
Major dental services – this category typically includes crowns, root canals, and deep gum cleanings. Some plans may even cover dental implants or orthodontia.

Some dental plans have waiting periods for benefits for major dental work like crowns and root canals. Others offer benefits that gradually increase over the first year or two of the policy.

Here is an example of one of our most popular dental plans from Manhattan Life. Premiums start at only $27.12 per month!

	In-Network	Out-Of-Network
Preventive Services Dental Exams; 2 per year Cleaning; 2 per year Bitewing X-Rays; 2 per year Fluoride treatment is for age 16 and under; 2 visits per year	100% of contracted rate	80% of UCR
Basic Services Limited Oral Evaluation Diagnostic Consultation Emergency Palliative Treatment Panoramic X-Ray Periapical X-Ray Perionodontal Non-Surgical Service Basic Restorative Service Filling Basic Oral Surgery Periodontal Service Non-Surgical Extraction	65% of contracted rate 1st yr. 80% thereafter	65% of UCR 1st yr. 80% thereafter
Major Services Major Restorative Service Inlay/Onlay/Crown Endodontic Service Periodontal Service Prosthodontic Service Implants	20% of contracted rate 1st yr. 50$ thereafter	20% of UCR 1st yr. 50% thereafter
All Other Medically Necessary Services (services not listed above)	20% of contracted rate 1st yr. 50$ thereafter	20% of UCR 1st yr. 50% thereafter
Orthodontia Straightening of teeh (for all ages) Lifetime max $1,500	Year 1 - N/A Year 2+ - 50%	N/A