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Understanding How Dental Insurance Works

The big thing everyone needs to understand about dental insurance comes down to one word: prevention. Most plans are designed to help patients easily afford services like checkups and cleanings so that minor problems can be found early, treated quickly, or avoided altogether. This is reflected in the amount of coverage, which we’ll discuss below. In short, if you’re hoping to maximize your plan, primarily using it to pay for preventive care is the smartest way to go.

What Your Dental Insurance Covers

While plans can vary from provider to provider, most tend to follow this structure:

  • Preventive treatments (checkups, cleanings, fluoride treatments, X-rays) are covered 80-100%

  • Restorative treatments (fillings, crowns, bridges, dentures) are covered 50-70%

  • Cosmetic treatments (whitening, veneers, bonding) are elective procedures and NOT covered

So, while dental insurance can be a big help if you develop a cavity or break a tooth, if you’re hoping to save as much as possible, all you need to do is keep up with your two recommended checkups and cleanings each year. This will lead to better oral health over time as well!

We Offer In-Network Savings & Welcome Out-of-Network Providers

Carefree Dentistry is in-network with a long list of dental insurance providers, and this basically means that we have a contract with each insurance company to offer people with their policies the highest level of savings possible. By visiting an in-network dental office, you’re guaranteeing that you’re getting the best deal for your dental care. We accept many out-of-network policies as well, and thanks to our team’s experience, we can still use these plans to help patients save significantly on their treatments with us.


We’re in-network with the following insurance providers:

  • Aetna

  • Assurant (Sunlife)

  • BCBS of AZ

  • Cigna

  • Delta Dental

  • Guardian

  • Humana

  • Metlife

  • United Concordia

  • United Health Care

  • Ask our friendly team if we accept your dental insurance!

Any Questions?

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