Oral health plans

Oral health plans refer to specific insurance products that cover preventive and restorative dental care, such as cleanings and fillings. US insurers like Delta Dental and Cigna offer oral health plans with annual maximums, commonly $1,000 to $2,000 per member.

Basic oral health plans typically pay 100% for routine exams and cleanings up to twice yearly. Most oral health plans require a monthly premium; for example, MetLife’s rates start at about $20 per month in 2024, as stated by YourInsurance.info.

Oral health plans use networks of dentists; out-of-network care often costs more. Most oral health plans impose waiting periods–typically six months–for major services like crowns or root canals.

Oral health plan deductibles usually range from $50 to $150 per individual annually. Covered procedures under oral health plans frequently include X-rays, extractions, and sealants for children.

Exclusions in oral health plans often apply to cosmetic dentistry such as veneers or teeth whitening. Most oral health plans limit coverage by placing annual maximums per person and may not roll over unused benefits.

Employers often provide group oral health plans as voluntary employee benefits, sometimes subsidizing premiums to increase participation rates.