Dental Insurance
DentalCoverage for oral healthcare services separate from medical insurance. Three main types: dental HMO (limited to network, requires primary dentist), dental PPO (flexibility to see any dentist, lower costs in-network), and dental indemnity (traditional fee-for-service).
More Dental Terms
Annual Maximum
Maximum amount dental insurance pays for covered services per year (typically $1,000-2,000). After reaching maximum, patient pays 100% until next calendar year. Doesn't include premiums.
Bitewing X-Rays
Images showing upper and lower teeth in one area. Detect cavities between teeth and bone loss. Typically covered annually.
Braces
Orthodontic appliance using brackets bonded to teeth connected by wires, gradually moving teeth into correct positions. Traditional metal braces most common. Ceramic braces tooth-colored and less visible.
Bridge
Fixed dental appliance replacing one or more missing teeth using adjacent teeth as anchors. Types include traditional (crowns on adjacent teeth), cantilever (anchored to one side), and Maryland (framework bonded to backs of adjacent teeth). Typically 50% covered.
Clear Aligners
Series of custom clear plastic trays worn sequentially, gradually moving teeth. Removable for eating and cleaning. More aesthetic than braces but requires compliance. Not suitable for all cases.
Crown
Tooth-shaped covering placed over damaged tooth, restoring shape, size, strength, and appearance. Made of porcelain, ceramic, metal, or combination. Typically 50% covered. Major restorative service requiring multiple visits. Lasts 10-15 years with care.
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