While dental insurance coverage varies depending on the type of plan chosen, it typically features annual maximums, beyond which patients must pay out of pocket. Employer-sponsored plans generally require lower premiums due to group coverage, but it's prudent for consumers to check with providers about exclusions, limitations, and waiting periods.

In addition to covering routine procedures such as annual cleanings, X-rays, and fillings, most dental plans cover the cost of dental crowns in cases where a patient has a weak or a cracked tooth. Contrarily, crowns may not be covered if they're requested for cosmetic reasons. Although the cost of crowns depends on whether the material used is porcelain or metal, the price tag typically ranges from $600 to $1,500 per crown. Dentists can provide preliminary estimates and many offer payment plans. Furthermore, credit plans like CareCredit offer low-interest financing methods, and some dental schools offer low-cost dental procedures.