Understanding what dental insurance covers is essential for individuals and families in Minnesota who want to make informed decisions about their oral health. Knowing how your coverage works when it comes to preventive, basic, and major services can help you choose an insurance plan that fits your needs and budget.
What Are Preventive Dental Services? 
Preventive dental care is the foundation of most dental insurance plans. These services are designed to help you maintain good oral health and catch potential issues early. Preventive services typically include:
- Routine exams and checkups
- Professional cleanings
- X-rays
- Fluoride treatments (often for children)
- Sealants
Most dental insurance plans cover preventive services at little or no out-of-pocket cost, encouraging regular visits to the dentist and helping you avoid more costly procedures down the road.
What Are Basic Dental Services?
Basic dental services address common dental problems that may arise despite good preventive care. These treatments are usually covered at a lower percentage than preventive care, meaning you may have some out-of-pocket costs. Basic services often include:
- Fillings for cavities
- Simple tooth extractions
- Treatment for gum disease (such as scaling and root planing)
- Emergency pain relief
Coverage for basic services can vary by plan, so it’s important to review your options and understand what’s included.
What Are Major Dental Services?
Major dental services involve more complex procedures that restore or replace teeth. These treatments are typically covered at a lower percentage than preventive or basic services, and may have waiting periods. Major services can include:
- Crowns and bridges
- Dentures and partials
- Root canals
- Oral surgery (beyond simple extractions)
Because these procedures can be costly, having the right dental insurance can make a significant difference in managing expenses.
How We Help Minnesota Residents Find the Right Dental Coverage
Our team at Wimmer Insurance Services, LLC is dedicated to helping Minnesota residents understand their dental insurance options. We take the time to explain the differences between preventive, basic, and major services, and guide you through plan choices that fit your needs.
If you have questions about dental insurance or want help selecting a plan, contact us today. We’re here to make dental coverage simple and accessible for you and your family.
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.