There are as many different dental plans as there are contracts. Your employer has selected your plan and is ultimately responsible for how your contract is designed. Remember, whether your plan covers a major portion of your dental bill, or only a small amount, dental benefits are good for patients because they help pay for needed treatment. It is important to know that each contract will specify what types of procedures are considered for benefits. Even if a procedure is medically or dentally necessary, it may be excluded from your contract. This does not mean that you do not need the procedure. It simply means that your dental plan will not consider the procedure for payment. For example, discretionary dental services such as cosmetic dentistry and some necessary services such as dental implants or night guards are often excluded from a dental plan.
Is it a mistake to let benefits be your sole consideration when you determine what you want to do about your dental health? Or is it wise just to get the services that are covered by your benefit plan and forgo the others? This section is provided to you to answer a few common questions about dental insurance.