Dental Insurance Glossary
Clear definitions of common dental insurance terms to help you better understand coverage, costs, and plan types.
How to Use This Dental Insurance Glossary
Dental insurance terminology can be confusing, especially for self-employed individuals without employer-sponsored benefits.
This glossary explains common dental insurance terms in plain language. Each definition is designed to help you understand how plans work and how different features affect coverage and costs.
Common Dental Insurance Terms
Deductible
The amount you must pay out of pocket before your dental insurance begins covering certain services.
Dental Insurance Cost & Payment Terms
Premium
The monthly amount you pay to maintain dental insurance coverage.
Out-of-Pocket Costs
Expenses paid directly by the insured, including deductibles, copays, and services not covered by insurance.
Copayment (Copay)
A fixed amount you pay for a covered dental service, usually at the time of treatment.
Dental Insurance Coverage & Benefits Terms
Preventive Care
Routine dental services such as cleanings, exams, and X-rays that are often covered at 100%.
Basic Services
Common dental treatments such as fillings and simple extractions, usually covered at a partial rate.
Major Services
More complex procedures like crowns, root canals, and bridges that often have waiting periods and lower coverage percentages.
Dental Insurance Plan Types
Dental PPO
A dental plan that allows visits to both in-network and out-of-network providers, offering greater flexibility.
Dental Discount Plan
A membership program that provides discounted dental service rates but is not insurance.
