Most dental plans cover preventive services like cleanings, exams, and X-rays up to 100%. Basic services like fillings and simple extractions are often covered up to 60%–80%, while major services like crowns, dentures, and root canals may be covered up to 40%–50% (coverage varies by carrier and plan).

Many dental plans have no waiting periods for preventive care, but basic or major services can have waiting periods of 6–12 months (can vary by carrier and plan).

This is the most the insurance company will pay toward dental care in a plan year. It commonly ranges from $1,000 to $2,000, though some carriers offer higher limits up to $5,000. Preventative services are usually not counted toward the annual maximum limit.

PPO dental plans still provide out-of-network coverage, though you may pay more. HMO plans usually do not cover services from out-of-network providers.