Dental insurance is a form of insurance which covers a portion of the cost of dental care which is provided by a dentist. Employers and unions may offer dental insurance as an employee benefit which helps alleviate a percentage of the costs associated with dental maintenance and treatments, or dental insurance can be purchased independently.

Dental benefits vary from plan to plan. Some policies are more comprehensive than others, covering basic care as well as major incidents, while others only accommodate usual and customary services.http://www.yourdentistryguide.com/insurance/

Dental insurance may limit or exclude certain procedures which are necessary for dental health. There may be alternate procedures or different treatment options available for any given dental problem, however dental insurance policies limiting treatments or procedures may impose restrictions on which procedures will be covered. Maximum allowances or benefits for dental insurance may be capped. Once the cap is surpassed the additional cost of treatment becomes the patients responsibility. A pre-determination conducted by a dentist through the dental insurance provider establishes the treatment which is covered and the amount of coverage certain treatments are eligible for. A copay per visit may be required with certain dental insurance policies. http://www.dentistry2000.com/dentalinsurance/facts.htm