NJDOBI | Dental Plan Organizations (2024)

FAQs

What is the most dental insurance will cover? ›

In general, most dental plans work on the 100/80/50 coinsurance model. This means that once you meet your deductible, you could get 100% coverage for preventive dental care, 80% coverage for basic dental procedures and 50% coverage for major procedures if you receive care in your network.

Dental insurers pay only a percentage of your costs, especially for more expensive procedures. For example, the best dental insurance plans might pay 100% of the costs for preventive care treatments, 80% for basic care, and 50% for major care. But it's not unusual to see plans whose coverage is more like 100%/50%/40%.

Public Dental Clinics

Many charge low, fixed prices or sliding fees based on how much you can afford. Most clinics offer exams, cleanings, X-rays, root canals, fillings, crowns, and surgical tooth extractions. Some may have emergency dentists on call. Some clinics charge sliding fees based on how much you can afford.

There are several options available for those who need free or low-cost dental treatment. For instance, your dentist may refer you to a community clinic that offers dental treatment for a low fee, or a nearby dental school where you can be treated for free or at a low cost by students in training.

Dental bonding treatments are the most affordable and minimally invasive alternative to more invasive smile makeover procedures. Read on to learn more about how dental bonding can transform the entire look and feel of your teeth in a single dental appointment.

A preferred provider organization (PPO) is one of the most common types of plans available. Dentists join a PPO network and negotiate their fee structure with insurers.

On average, people spend between $20 and $50 per month on dental insurance premiums, with annual estimates ranging from $240 to $600. However, dental insurance costs also include co-insurance, copayments for specific treatments, annual maximums (the coverage limit per year) and deductibles.

Which of the following is typically not covered by a dental plan? ›

Explanation: The question asks about which service is typically not covered under dental insurance. Among the options given: are cleanings, fillings, orthodontic treatment, and cosmetic surgery, the correct answer is cosmetic surgery.

An annual maximum usually ranges between $1,000 and $2,000 and resets at the end of each benefit period, typically 12 months. Certain plans could have an even higher annual maximum, so make sure to check with your dental insurance provider.

Dental PPOs are the most common dental policy.

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

80% covered: Basic restorative care like tooth-colored fillings, extractions, and root canal therapy. 50% covered: More complex restorations, like dental crowns and bridges.