10/16/2025
Many people are surprised by how little their dental insurance covers. A typical policy pays only a fraction of the total. Experts note that many patients mistakenly believe dental coverage works like medical insurance, which is meant to protect against large, unexpected costs. In reality, dental insurance functions more like a discount program that helps defray expenses but rarely pays the full price of major procedures.
Dentists recommend several strategies to manage these costs. Patients can request a pretreatment estimate to anticipate out-of-pocket fees, though insurers may still adjust coverage afterward. Receiving preventive care, like regular cleanings, remains the most cost-effective way to avoid expensive procedures. Staged treatments and payment plans can also help spread costs.