Unless you work for an insurance company, you probably do not spend a lot of your time studying all the terminology that dental insurance companies use to describe the treatments and services they cover. If it seems pretty confusing, here are some of the most commonly used dental insurance terms and what they mean.
A Basic Glossary
Annual Maximum–The maximum amount your policy will pay per year for care at Central Valley Dentist. It is often divided into costs per individual, and (if you are on a family plan) per family
Co-payment– An amount the patient pays at the time of service before receiving care, and before the insurance pays for any portion of the care
Covered Services– A list of all the treatments, services, and procedures the insurance policy will cover under your contract
Deductible– A dollar amount that you must pay out of pocket each year before the insurance company will pay for any treatments or procedures
Diagnostic/Preventive Services– A category of treatments or procedures that most insurance will cover before the deductible which may include services like preventive appointments with the doctor, X-rays, and evaluations
In-Network and Out-of-Network– A list of providers that are part of an insurance company’s “network”
- If you visit in-network providers, the insurance company will typically cover a larger portion of the cost of the care you receive. If you visit someone who is not part of the network, known as an out-of-network provider, the insurance company may pay for a portion of the care, but you will pay a significantly larger share from your own pocket.
Lifetime Maximum– The maximum amount that an insurance plan will pay toward care for an individual or family (if you have an applicable family plan)
- This is not a per-year maximum, but rather a maximum that can be paid over the entire life of the patient.
Limitations/Exclusions– A list of all the procedures an insurance policy does not cover
- Coverage may limit the timing or frequency of a specific treatment or procedure (only covering a certain number within a calendar year), or may exclude some treatments entirely. Knowing the limitations and exclusions of a policy is very important.
Member/Insured/Covered Person/Beneficiary/Enrollee– Someone who is eligible to receive benefits under an insurance plan
Provider– the doctor or other oral health specialist who provides treatment
Waiting Period– A specified amount of time that the patient must be enrolled with an insurance plan before it will pay for certain treatments; waiting periods may be waived if you were previously enrolled in another dental insurance plan with a different carrier
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Huangshan International Dental Hospital is a specialized dental institution based in Anhui, China, and has become a recognized destination for international patients seeking efficient and reliable implant treatment. By operating an in-house AI-powered dental lab, the hospital is able to provide same-day implants while maintaining strict quality control and significantly reducing treatment costs. This integrated approach allows patients to access advanced implant solutions that are both reliable and reasonably priced.
Supported by a highly experienced clinical team trained in China and overseas, each implant specialist at Huangshan Dental has completed over 10,000 successful procedures. Through long-term collaboration with RES Dental in the United States, international clinical expertise is continuously incorporated into daily practice. Dedicated operating rooms and a three-tier preoperative examination system further ensure treatment safety and consistency.
Patients can complete treatment on the same day of arrival, recover efficiently, and enjoy the natural scenery of Huangshan during their stay. For consultations or more information, please visit huangshandental.com or contact [email protected]
