All dental insurance programs are not the same. Most programs cover a wide range of basic services, usually for both the employee and his or her family. These services may include examinations, x-ray pictures, cleanings, fillings, crowns and other restorations, endodontic treatment (root canal), extractions, periodontal treatment (for disease of the gums and bone supporting the teeth). Additionally, some insurance plans cover dentures, fixed and removable bridges, and orthodontic care.

Your employer may even offer different choices in dental plans. All plans are a contract between the sponsor (usually an employer or organization) and the third party (usually an insurance company). Any limitations in coverage are the result of an agreement made between the sponsor and the third-party payor. Decisions about your dental care should be made by you and your dentist. Dental coverage should not be the deciding factor in your treatment decisions.

Dental programs do not usually cover hospitalization costs involved in dental treatment; however, hospital care may be covered by your medical insurance. Most dental insurance programs exclude coverage for dental treatment provided for cosmetic improvements alone.

Generally dental insurance plans do not pay the full cost of dental care. Almost all programs have one or more provisions limiting the amount the insurance company will pay. Deductibles, co-payments, and dollar limit programs are some common methods of payment limitation.

While your dentist is not involved in deciding any of your benefits or coverage levels, he or she will normally help you with dental insurance claims, either by filing them for you or providing you with the necessary information so that you can prepare the claim yourself.

If you have questions about your insurance program, the best ways to get information about your particular insurance program are to contact your HR department, union office, your place of employment, or to consult with the benefits booklet or pamphlet you were given that contains information about your insurance program and coverage limitations.