2. Orthodontics and Prosthodontics

Orthodontics

Your dental insurance may or may not cover orthodontics and prosthodontics. According to Medline Plus, orthodontics refers to the use of braces or other devices in order to straighten the teeth, improve the bite, and properly align the jaws, lips, and teeth. Meanwhile, the American College of Prosthodontists defines prosthodontics as a dental specialty which focuses on correcting issues caused by missing tooth, face, or jaw structures. To determine if your dental plan covers these types of issues, check the fine print in your insurance contract.

1. Typical Coverage Structure

Dentistry

When researching dental plans, you may notice that most follow a 100-80-50 coverage structure. This means they cover preventive care such as tooth cleanings at 100%. Basic procedures such as fillings or root canals may be covered at 80%, which means plan members pay 20% for these treatments. Major procedures, such as crowns or bridges, may require plan members to cover 50% or more of the costs. In any plan, certain treatments may not be covered at all. This may include items such as fluoride treatments, sealants, or braces.
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