Dental insurance helps cover the cost of dental care by paying a portion of the expenses for routine check-ups, procedures, and treatments. Typically, you pay a monthly premium, and in return, the insurance company covers a certain percentage of costs, depending on your plan. There may also be deductibles and co-pays, which are out-of-pocket costs you pay before insurance kicks in. Some plans cover preventive services fully, while others require you to pay a portion of the cost for treatments like fillings or root canals. Coverage may vary, so it’s important to understand the specific details of your policy.

Here’s a breakdown of how dental insurance works:
- Monthly Premium: You pay a regular fee to maintain coverage.
- Coverage for Services: The insurance helps cover costs for check-ups, treatments, and procedures.
- Deductibles: You may need to pay a certain amount out-of-pocket before the insurance starts paying.
- Co-pays: Small, fixed costs you pay for specific treatments (e.g., a portion of the cost for fillings).
- Preventive Care: Some plans fully cover preventive services, like cleanings and exams.
- Varied Coverage: The extent of coverage can differ depending on the specific plan and procedure.