Preventive care
Plans may cover routine exams, cleanings, and eligible X-rays at a higher percentage, subject to frequency and network rules.
Dental Insurance
Coverage designed around routine care and unexpected dental needs.
Compare dental insurance options for cleanings, exams, fillings, crowns, and other covered services while reviewing networks, waiting periods, annual limits, and out-of-pocket costs.
- Individual and family options
- Preventive and restorative care
- Plan comparison assistance
Preventive
Exams, cleanings, and routine services
Restorative
Coverage may include basic and major care
33 states
Licensed agency service area
How dental insurance works
Plans divide care into coverage categories.
Dental plans often group services as preventive, basic, or major. The percentage paid by the plan, waiting period, annual maximum, and provider rules can differ between options.
Call (561) 960-4939Basic services
Fillings, simple extractions, and certain periodontal services may fall into a basic-care category with shared costs.
Major services
Crowns, bridges, dentures, root canals, and similar treatment may have different coinsurance and waiting-period requirements.
Network savings
Using participating providers may reduce negotiated charges and improve the amount of coverage available for eligible services.
Coverage categories
Review how a plan handles the care you may use.
Coverage differs by plan. Services may be excluded, limited by frequency, subject to waiting periods, or paid at different percentages.
Exams and cleanings
Routine preventive visits may be covered based on the plan's service schedule and provider network.
Diagnostic services
Eligible X-rays and other diagnostic procedures may be covered according to frequency limits.
Fillings and extractions
Basic restorative treatment may involve a deductible, copay, or coinsurance amount.
Crowns and root canals
Major or complex services may have higher cost-sharing and longer waiting periods.
Dentures and bridges
Replacement and prosthetic services may be covered within specific plan limits and replacement schedules.
Orthodontic benefits
Some plans offer orthodontic coverage, often with separate eligibility rules and lifetime maximums.
A dental plan is separate from comprehensive medical insurance unless it is specifically included with another policy. Review the plan documents for covered services, exclusions, and limitations.
Understand the plan limits
The premium is only one part of the comparison.
A lower monthly price may come with a smaller provider network, longer waiting periods, lower annual maximum, or higher cost-sharing for major services.
Deductible
The amount you may pay before the plan begins sharing eligible dental costs.
Coinsurance
The percentage of an eligible service paid by you after applicable plan requirements.
Annual maximum
The most the plan may pay toward covered dental services during a benefit year.
Waiting period
The time you may need to be enrolled before certain basic or major services are covered.
Who may consider dental coverage
Options for individuals, families, and self-employed professionals.
Buying dental coverage independently
Compare monthly cost, preferred dentists, expected treatment, and annual plan limits.
Covering adults and dependents
Review pediatric and adult benefits, provider access, and how family deductibles may apply.
Adding benefits outside a workplace
Consider stand-alone dental coverage alongside your individual health insurance.
Before choosing a plan
Compare the details that affect real dental costs.
The right option depends on the providers you prefer, treatment you expect, and how the plan pays for each category of care.
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01
List preferred providers
Check whether your dentist and specialists participate in the plan's current network.
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02
Review expected care
Consider routine visits and any known treatment that may be needed after enrollment.
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03
Read the limits
Compare waiting periods, annual maximums, frequency limits, and replacement rules.
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04
Estimate total cost
Look beyond premiums to deductibles, coinsurance, and possible out-of-network charges.
Dental insurance FAQs
Common questions before selecting coverage.
Benefits, provider networks, waiting periods, and annual maximums vary by carrier, state, and plan.
Contact the agencyDoes dental insurance cover cleanings and exams?
Many plans cover eligible preventive services such as exams and cleanings, often subject to network and frequency rules. The exact amount paid depends on the plan.
Can I keep my current dentist?
That depends on whether your dentist participates in the plan's provider network and whether the plan includes out-of-network benefits. Verify participation with both the plan and dental office before enrolling.
What is a dental annual maximum?
It is the maximum amount the dental plan may pay toward covered services during a benefit year. After the maximum is reached, you generally pay additional costs unless the policy states otherwise.
Do dental plans have waiting periods?
Some plans require a waiting period before certain basic, major, or orthodontic services become eligible. Preventive care may have different timing rules.
Is orthodontic care included?
Orthodontic coverage is not included in every plan. When available, it may have age restrictions, separate cost-sharing, a waiting period, or a lifetime maximum.
Can dental insurance cover work I already need?
Coverage depends on the plan's effective date, waiting periods, exclusions, missing-tooth provisions, and other policy terms. Review those provisions before scheduling treatment.
Compare dental insurance
Review dental plan costs, networks, and coverage limits.
Call or email Hippo Health Insurance Agency to discuss available dental insurance options for yourself or your family.