Adult Dental Insurance: Everything You Need to Know

As an adult, taking good care of your teeth is essential. Whether it’s for regular check-ups or dealing with unexpected dental issues, having the right dental insurance can help you save money while keeping your pearly whites healthy. In this article, we’ll explore everything you need to know about adult dental insurance.

What is Adult Dental Insurance?

Adult dental insurance is a type of insurance that provides coverage for dental procedures and services. These can include preventive care such as regular checkups and cleanings, as well as restorative care such as fillings, crowns, and root canals. Having dental insurance can help you feel confident that you can get the care you need without worrying about the financial burden.

What Does Adult Dental Insurance Cover?

The coverage provided by dental insurance plans can vary widely. Some plans may cover only basic preventive care, while others may provide coverage for more extensive procedures such as orthodontics or dental implants. Here are some common procedures that may be covered by adult dental insurance:

Oral exams
Regular checkups to assess overall oral health
Removal of plaque and tartar buildup from teeth
Diagnostic imaging to detect cavities and other issues
Restoration of decayed or damaged teeth
Caps placed over damaged teeth to restore their shape and function
Root canals
Treatment for infected or inflamed dental pulp
Care to straighten teeth, such as braces or aligners

What Are the Types of Adult Dental Insurance?

There are several types of dental insurance plans available for adults. Here are some common types:

Indemnity Dental Insurance

This type of insurance allows you to choose any dentist you’d like and pays a set percentage of the cost of your dental care. You may need to pay a deductible or co-pay before coverage kicks in.

Preferred Provider Organization (PPO)

PPOs have networks of dentists that have agreed to provide services at discounted rates. You can choose a dentist within the network or go out of network, but you’ll likely pay more if you choose to go out of network.

Health Maintenance Organization (HMO)

HMOs usually have a limited network of dentists and require you to choose a primary care dentist. You’ll need a referral to see a specialist, and services may be more limited than with other types of plans.

Why Do You Need Adult Dental Insurance?

Having dental insurance as an adult can be beneficial in a number of ways. Here are some of the most important reasons to consider getting dental insurance:

Cost Savings

Dental procedures and services can be expensive, especially if you need extensive work done. Having dental insurance can help you save money on these costs by covering a portion of the expense.

Peace of Mind

Knowing that you have dental insurance can give you peace of mind when it comes to your oral health. You can get regular checkups and take care of any issues that arise without worrying about how you’ll pay for it.

Preventive Care

Most dental insurance plans provide coverage for preventive care such as regular checkups and cleanings. This can help you maintain good oral health and catch any issues before they become more serious and expensive to treat.

How to Choose the Right Adult Dental Insurance Plan?

Choosing the right dental insurance plan can be overwhelming, but there are a few key factors you should consider when making your decision. Here are some important things to keep in mind:


Consider the cost of the plan, including premiums, deductibles, and co-pays, as well as any out-of-pocket expenses you may need to pay for services.


Make sure the plan covers the procedures and services you’re most likely to need, such as preventive care, fillings, and crowns.


If you have a favorite dentist, make sure they’re in the plan’s network. If not, you’ll need to decide if you’re willing to switch dentists to save money.

Customer Service

Look for a plan with good customer service, including easy-to-use online tools and helpful representatives who can answer your questions.

Frequently Asked Questions

Do I really need dental insurance?

While dental insurance isn’t necessary for everyone, it can be a good investment if you’re at risk for dental issues or want to save money on dental care. Consider your oral health history and budget when deciding if dental insurance is right for you.

How much does adult dental insurance cost?

The cost of dental insurance can vary widely depending on the plan, your location, and your age. You can expect to pay anywhere from around $20 to $50 per month for an individual plan.

Does dental insurance cover cosmetic procedures?

Most dental insurance plans don’t cover cosmetic procedures such as teeth whitening or veneers. However, some plans may provide coverage for procedures that have both cosmetic and restorative benefits, such as crowns or implants.

What should I look for in a dental insurance plan?

When choosing a dental insurance plan, consider factors such as cost, coverage, network, and customer service. Make sure the plan provides coverage for the procedures and services you’re most likely to need.

Can I use my dental insurance immediately?

Most dental insurance plans have waiting periods for certain procedures or services. For example, you may need to wait six months before getting a crown covered by your plan. Check with your insurance provider to understand any waiting periods that may apply.


Dental care is essential for maintaining good oral health as an adult. By choosing a dental insurance plan that fits your needs and budget, you can ensure that you get the care you need without worrying about the financial burden. Use the tips and information in this article to help you choose the right adult dental insurance plan for you.