Nearly all dental insurance plans are prevention-focused. What that means is that they “pay for” preventative services like two checkups and cleanings per year, plus any necessary X-rays.
When restorative procedures like fillings or crowns are needed, the insurance plan pays for less on the service, and only after a specific dollar deductible has been paid by the patients. More involved or complex treatments are covered at even less.
Don’t forget the “maximum allowable” amounts that once met, mean your insurance won’t pay anything more until the next calendar year. Additionally, elective services such as cosmetic procedures are not covered at all.