Unit 19 Health and Life - Dental

Diagnostic and Preventive Care

Routine exams, x-rays, cleanings, and fluoride treatments

Restorative Dentistry

Repairing or restoring teeth damaged by decay

Oral Surgery

Surgery performed in the oral cavity

Endodontics

Treatment of the pulp (soft tissue in the center of a tooth)

Periodontics

Treatment of the supporting structures of teeth, such as the gums

Prosthodontics

Artificial replacements like bridges and dental implants

Orthodontics

Correction of irregular tooth alignment

Scheduled Dental Benefits

Pays a set/specified amount for each procedure

Diagnostic and Preventative Coverage

Usually covered 100% under dental insurance

Basic Dental Services

Fillings, crowns, anesthesia; usually 80/20 coinsurance, subject to annual limit

Major Dental Services

Root canals, oral surgery, gum treatment; usually 50/50 coinsurance, subject to annual limit

Predetermination of Benefits

Often required before major dental procedures to confirm coverage

Group Dental Insurance

Usually a separate policy, though may be integrated with medical coverage under one deductible

Dental Adverse Selection Controls

Probationary periods, late enrollee benefit limitations, and reduced first-year benefit limits