What Standalone Dental Plans Typically Cover
- Preventive care: cleanings, exams, X-rays — often covered at 100%
- Basic services: fillings, extractions — typically partial coinsurance
- Major services: crowns, bridges, dentures — usually the lowest coverage tier and often subject to waiting periods
Annual Maximums and Waiting Periods
Most dental plans cap annual benefits (often $1,000–$2,000) and may impose waiting periods of 6–12 months before covering major services — important to check before you need a procedure.
Key Takeaways
- Original Medicare generally doesn't cover routine dental care.
- Standalone dental plans usually tier coverage: preventive, basic, and major.
- Annual maximums and waiting periods affect when and how much you're covered.
Coverage details vary significantly by carrier and plan. Review the plan's summary of benefits before enrolling.
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