When it comes to protecting your smile and your budget, understanding the details of dental insurance is essential. Knowing the difference between preventive and major dental coverage can help you plan for both routine care and unexpected dental needs.
What Is Preventive Dental Coverage? 
Preventive dental care focuses on maintaining your oral health and catching issues early. Most dental insurance plans in Minnesota cover preventive services at a high percentage, sometimes even at no out-of-pocket cost. Common preventive services include:
- Routine exams and checkups
- Professional cleanings
- Dental X-rays
- Fluoride treatments
- Sealants for children
By prioritizing preventive care, you can often avoid more serious (and costly) dental problems down the road. Regular visits help detect cavities, gum disease, and other concerns before they require major intervention.
What Is Major Dental Coverage?
Major dental coverage applies to more complex and expensive procedures. These services are typically needed less frequently but can have a significant impact on your oral health and finances. Major dental procedures often include:
- Crowns and bridges
- Dentures and partials
- Root canals
- Oral surgery (such as extractions)
- Implants (coverage varies by plan)
Insurance plans usually cover a smaller percentage of major procedures, and there may be waiting periods before you can access this coverage. Understanding these details is important for financial planning, especially if you anticipate needing major dental work.
How We Can Help
Our team at Wimmer Insurance Services is here to help Minnesota individuals and families compare dental insurance options and find the right fit for their needs. If you have questions about your coverage or want to explore new plans, contact us today.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.