Dental insurance

Understandable plans. Clear costs. Smarter choices. That’s dental, Lucie-style.
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What it covers

Most dental plans focus on the basics. Here’s what that covers and doesn’t. Coverage may vary based on plan and state.

Covered

  • Routine visits

    Cleanings and exams are usually covered right away and cost little to nothing out of pocket.

  • Basic work

    Fillings and extractions are often partly covered.

  • Bigger procedures

    Major work, like crowns or root canals, is often partly covered (with some limits).

Not Covered

  • Cosmetic work

    Veneers, implants, and other cosmetic procedures usually aren’t covered.

  • Braces

    You’ll pay out-of-pocket for orthodontics on most plans.

  • Specialists

    Care from periodontists, endodontists, or oral surgeons are typically not included.

Plans vary. Be sure to check your policy carefully.

Want to know more about dental coverage?

One of our premier broker partners brokers can help.*

Smile coverage made clear

Frequently asked questions

Can I keep my current dentist?

In many cases, yes. And we make it easy to double-check. For every plan Lucie shows you, we provide a direct link to that carrier’s latest provider search tool. You can quickly verify your dentist and shop with confidence.
If they’re not, you’ll see several great options of dentists who are in network.

Does health insurance cover dental care?

A little, but not much. Most health insurance plans will only cover dental care tied to a medical issue, like an injury, oral surgery, or treatment related to a health condition. Routine dental care? Usually not included.
There’s one exception: The ACA requires plans to include dental coverage for kids (though it may be bundled into the plan or offered separately). For adults, though, things like cleanings, fillings, crowns, and checkups are handled through dental insurance.

How soon can I use my dental coverage after enrolling?

For most plans, preventive care like cleanings and exams starts right away. Other services (like fillings, crowns, or major work) often come with waiting periods, usually six to 12 months.
Lucie’s tools show you those timelines clearly before you enroll, so there are no surprises later.

Benefits together. Better for you.

When all your care and coverage options are in one place, you get what's right for you and your budget.

Health insurance that gets you

Search for plans that meet your needs. And work with one of our premiere broker partners to get recommendations that fit your life and the way you’ll actually use care.
  • Use Lucie’s tools and filter to get a personalized list of ACA plan options.
  • See what you might save.
  • Check out how coverage (and costs) really work.
Learn more

You are now being directed to the Lucie platform to shop for plans.

If you enroll in a plan, your servicing agent is Stephanie Espino with Trove Group.