Introduction
Understanding dental insurance can feel overwhelming. But with a little clarity, you can maximize your benefits—and avoid leaving money on the table.
What Most Dental Plans Cover
Most plans follow a 100-80-50 coverage model:
- 100% of preventive care (cleanings, exams, X-rays)
- 80% of basic treatments (fillings, extractions)
- 50% of major procedures (crowns, bridges, dentures)
Regular cleanings are often fully covered and are key to preventing costly issues.
What’s Usually Not Covered
Cosmetic procedures like teeth whitening or veneers often aren’t covered. Some plans also have waiting periods for certain treatments or annual limits on coverage.
Maximize Your Dental Benefits
- Schedule preventive care early in the year
- Use your annual maximum before it expires (most plans reset January 1)
- Ask about treatment timelines to spread procedures across benefit years
- Know your deductible and what you’ve already spent
Ask for Help with Insurance
Dental offices often have coordinators who help verify benefits and explain your coverage clearly.
Local Support That Makes It Easy
At Bloom Dental of Arlington, we help patients navigate their insurance plans every day. As a top-rated family dentist in Arlington, VA, we’re committed to making dental care both accessible and transparent.
Final Thoughts
Don’t let confusion about insurance keep you from getting the care you need. With a little planning and the right dental team, your benefits can work harder for you.
