Most group dental plans cover preventative, cleanings and x-rays, twice a year with little or no out of pocket expense.
Other expenses such as fillings, extractions, crowns and caps are covered at significant savings. Most plans cover both in and out of network expense.
Most of us grew up with the same dentist and would prefer not to change. And as we know not all dentist are an in network provider with all carriers networks. Therefore we typically recommend having a plan that covers out of network expenses at usual, customary and reasonable charges, also referred to as UCR. This reimbursement rate pays the out-of-network dentist at a higher rate than a traditional dental plan and therefore reduces your out of pocket expense.