It is basically a “discount coupon” towards your dental treatment. Unlike medical insurance, which truly “insures” against problems, dental insurance gives you a percentage off of your treatment, up to a very small yearly maximum. Medical insurance doesn’t pay for much until you have met your deductible, and then it pays for almost everything with NO maximum. Dental insurance runs the opposite, paying a fixed percentage until you hit a VERY low maximum, and then you are responsible for the rest. Those maximums also haven’t really changed since dental insurance began in the 1970’s. Most patients still have about a $1500 maximum, just like in 1975. Today, that would be worth nearly $6000!