Understand coverage and costs

Dental insurance plans generally have a coverage ratio, which is often heard as "100-80-50". This actually means that the insurance company will help you pay 100% of the cost of preventive care, 80% of the cost of basic procedures, and 50% of the cost of major procedures. However, this ratio may vary depending on the insurance plan.

In addition, most insurance plans will also have a deductible, which means you have to pay a part of the money first, and the insurance will start to pay for you after exceeding this amount. There is also an annual maximum limit, which is the maximum amount that the insurance can help you pay in a year. So when choosing insurance, you must read these terms carefully to know how much protection you can get.