Dental Insurance That Actually Covers What Your Teeth Need
Most Americans avoid the dentist not because they don't care about their teeth — but because they can't afford the bills. A single root canal without insurance can cost $1,200–$1,800. Braces for a child can run $5,000–$7,500. Dental insurance changes all of that. For as little as $19 per month, New Chapter Health can connect you with a dental plan that covers your preventive care, restorations, and major procedures — so you never have to choose between your smile and your finances.
What Does Dental Insurance Cover?
Dental insurance is typically structured in three tiers — Preventive, Basic, and Major — each covered at different percentages:
Preventive Care (Usually 100% covered)
Routine cleanings (2x per year), annual dental exams and X-rays, fluoride treatments, sealants for children, and oral cancer screenings.
Basic Restorative (Usually 70–80% covered after deductible)
Fillings (composite and amalgam), simple tooth extractions, periodontal treatment for gum disease, and emergency dental exams.
Major Procedures (Usually 50% covered after deductible)
Crowns, bridges, and inlays. Dentures (full and partial). Root canals and endodontics. Oral surgery and complex extractions. Dental implants available on select plans.
Orthodontics (Varies by plan)
Braces for children and adults, Invisalign and clear-aligner discounts, retainers and post-treatment care. Typically covered up to a lifetime maximum of $1,000–$2,500.
Dental Insurance vs. Dental Discount Plans — What's the Difference?
Dental insurance operates like traditional health insurance: you pay monthly premiums and the plan pays a percentage of your dental bills after your deductible is met, up to an annual maximum (typically $1,000–$2,500/year). Dental discount plans are membership-based programs where you pay a flat monthly fee and receive pre-negotiated discounts (typically 20–50%) when you visit in-network dentists. There's no deductible, no annual maximum, and no claims process — just a discount card. New Chapter Health helps you determine which option — or which combination — makes the most financial sense for your dental care usage.
How Much Does Dental Insurance Cost?
The right dental plan for you depends on how much dental work you typically need each year, whether you have children (orthodontic coverage matters), and whether your preferred dentist is in-network.
Finding In-Network Dentists
New Chapter Health works with dental plans that include some of the largest dentist networks in the country — including Delta Dental, Cigna Dental, Humana Dental, Aetna, MetLife, and Guardian. Most plans give you access to thousands of dentists nationwide, making it easy to find a top-rated dentist near your home, office, or your children's school.
Ready for a gentler insurance call?
A licensed advisor will reach out within one business day. Free, unhurried, never pushy.