What Is Dental Insurance

Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three categories: indemnity, which allows you to see any dentist who accepts insurance, Preferred Provider Network (PPO), and Health Managed Organizations (DHMO). DHMO assigns and in-network dentist or dental office and requires that you stay within the network to receive benefits.

A dental office will have a fee schedule, or list of prices, for services and procedures they offer. Insurance companies have similar fee schedules which are based on Usual and Customary fees, or an average of fees in your area. When a dentist participates with an insurance company he/she agrees to match their fee schedule and give the patients a reduced cost for services. If you see an Out-of-Network or Non-Participating Provider the difference of fees will become the financial responsibility of the patient. Some insurance plans may have waiting periods. This is a period of time before certain benefits will be covered.

Most insurance plans have an annual maximum benefit. Once the annual benefit is exhausted and additional treatment is rendered, the fees incurred are the responsibility of the patient. Each year the annual maximum is reissued. Orthodontics usually has a spate limit. Most plans have and annual deductible. After the deductible is met, the remaining plan benefit is paid at its specified percentage.

Insurance companies divide benefits into categories in accordance with the American Dental Association. Basic, Preventive and Diagnostic, and Major procedures are covered at different percentages. Many insurance plans offer free semi-annual preventative treatment. This includes x-rays and cleanings (and fluorides for children).

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What Our Patients Say About Us

    Once I visited Dr. Rubinstein, he immediately began taking care of my dental problem. I never had to look for another dentist. He is a genius and he takes care of all my family's dental issues! I Highly recommend him!


    Both the doctor and staff helped me with my fear of the dentist in a life changing way. I haven’t been to the dentist in decades because of this phobia and I am so thankful I ended up in his office. I am on the fast track to proper dental health and it’s all because of this office.


    Dr. Rubinstein is deeply concerned about his patients. He sticks to his appointment times. He explains everything he is doing and takes care in making you feel comfortable. His staff and Karen, his assistant, are very cordial and professional as well.


    Dr. Rubinstein and Staff are amazing. The wait is never long, the staff is always friendly and patient with answering our questions. Our whole family has been going to his office and always feel like he gives the best advice and works with you on getting your teeth as healthy as possible. 10/10 would recommend!