Types of Dental Insurance Plans

Dental insurance plans can be broken down into three main categories:

Capitation. This is a monthly plan that covers check ups, X-rays and extractions. It is only available from dentists who are signed up to the scheme and as a result means that you might be limited in your choice of dentist. The premium for such a scheme depends upon your oral health and the amount you pay will be subject to a dental examination. Capitation plans are best for people who need regular treatments. There are two types of these schemes:
Maintenance plans. These allow for two hygiene examinations, X-rays and two dental examinations per year. It might also allow you discounts on treatments after an initial signing up fee.
Comprehensive insurance. Unlimited treatments after you pay a monthly fee. Again, the cost will depend on your oral health, the worse it is the more you pay.

Guide to Dental Insurance