Dental Coverage

Most dental plans were designed in the 1960s — and it shows

The classic dental benefit hasn't changed much: $1,000–$2,000 annual maximums, 100% preventive, 80% basic, 50% major. The numbers don't keep up with modern dentistry. We help you find plans whose annual maximums and waiting periods actually fit what you'll need.

What we help with

• Standalone individual & family dental — when your health plan doesn't include it
• Medicare Advantage with dental built-in — many MA plans include preventive and basic dental
• Senior dental plans — coverage for the major work that becomes more common after 65
• PPO vs. DHMO networks — choosing between flexibility and lower premiums
• Discount dental plans — non-insurance alternatives for predictable savings

Preventive, Basic, Major — what's covered

Preventive covers exams, cleanings, and x-rays (usually 100% with no deductible). Basic covers fillings, simple extractions, and root canals at 70–80%. Major covers crowns, bridges, dentures, and implants at 50%. Most plans have a 6–12 month waiting period before major work is covered.

Senior & Medicare-eligible dental

Original Medicare doesn't cover routine dental, which catches a lot of new retirees off guard. Most Medicare Advantage plans include some dental benefit, but the depth varies wildly. If you're enrolling in Medicare, we look at your dental need alongside your medical and drug coverage so you don't end up paying for the same benefit twice.