Generally, dental policies cover some portion of the cost of preventive care, fillings, crowns, root canals, and oral surgery, such as tooth extractions. They might also cover orthodontics, periodontics (the structures that support and surround the tooth), and prosthodontics, such as dentures and bridges. In addition, you’re usually covered for two preventive visits per year. Further reading: Does dental insurance cover teeth straightening?

Periodontics and prosthodontics may not be available in the first year of coverage of an individual policy. And orthodontics often requires a rider for any policy, in which you pay an additional fee.

Most plans follow the 100-80-50 coverage structure. That means they cover preventive care at 100%, basic procedures at 80%, significant procedures at 50%, or a larger co-payment. But a dental plan may elect not to cover some procedures, such as sealants.

Dental coverage offered by an employer tends to be cheaper than getting a policy on your own. If you’re shopping for your plan and already have a dentist, your dentist may be able to recommend a plan based on your dental history. A freedom-of-choice plan allows you to see any dentist you wish. However, this plan does impose 6 to 12-month waiting periods for some services. Therefore, this is not the best plan for an individual who needs comprehensive coverage within the first 12 months. However, if dental coverage is desired for an extended period, and there is no rush to receive the major benefits, this plan may work for you.