Does Health Insurance Cover Dental?

Nearly half of all adults aged 30 years and above in the U.S. have untreated cavities. Wouldn’t it be nice if your health insurance covers such treatment costs? Read to know if this sounds too good to be true, or if there’s a catch.
Does Health Insurance Cover Dental?
While health insurance typically covers medical expenses related to illness or injury, dental coverage is often separate and may require additional insurance specifically for dental care. This blog explains the nuance.
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Maintaining good oral health is essential for overall well-being. Regular dental care can help prevent cavities, gum disease, and other oral health problems. Nearly half of adults aged 30 years and older in the U.S. have untreated cavities, according to the Centers for Disease Control and Prevention.

Let’s understand whether health insurance covers dental expenses. Here’s what you need to know.

Does Health Insurance Cover Dental?

While health insurance typically covers medical expenses related to illness or injury, dental coverage is often separate and may require additional insurance specifically for dental care. Dental coverage varies depending on the type of insurance plan, with some plans offering comprehensive dental benefits and others providing limited coverage or none at all.

Dental Coverage

Dental insurance plans may include coverage for preventive care such as routine cleanings, examinations and X-rays, and major procedures such as fillings, extractions, and root canal treatments. However, coverage for elective procedures such as cosmetic dentistry may be limited or excluded altogether.

Limitations of Dental Insurance Plans

While dental insurance can be beneficial, it’s essential to understand its limitations:

  • Premiums: Dental insurance requires separate monthly premiums in addition to your health insurance premium.
  • Deductibles: Similar to health insurance, dental plans might have deductibles you need to pay before coverage kicks in.
  • Copays: Copays are fixed amounts you might pay for certain dental services.
  • Coverage Limits: Dental plans often have annual coverage limits, meaning the insurance company will only cover a specific amount of dental expenses per year.

Dental Insurance and Timing

Timing can also impact dental insurance coverage, as some plans may have waiting periods before certain services are covered. Additionally, individuals may need to select a dentist within their insurance network to maximize coverage and minimize out-of-pocket costs.


Dental coverage varies widely among health insurance plans, and it’s essential to understand the specifics of your policy to determine what is covered.

This is particularly important if you’re considering whether your insurance covers procedures like wisdom teeth removal.

While some health insurance plans include dental benefits, others may require separate dental insurance or out-of-pocket payments for dental care. When it comes to navigating health insurance options, Beem offers a user-friendly platform to compare plans and find the coverage that fits your needs. 


What is the most common type of dental insurance?

The most common types of dental insurance include dental health maintenance organizations, preferred provider organizations and dental discount plans. Each type of plan has its benefits and limitations, so individuals should research and compare their options to find the best fit for their needs.

How can I find dentists who accept my insurance?

Many insurance providers offer online tools or directories that allow individuals to search for dentists within their network. Additionally, individuals can contact their insurance provider directly or visit the provider’s website to access a list of participating dentists.

Are there waiting periods for dental coverage?

Yes, some dental insurance plans may have waiting periods before certain services are covered. Waiting periods vary depending on the plan and the type of service, so individuals should review their insurance policy details to understand any waiting period requirements.

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Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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