Major Restorative
Major restorative coverage includes complex dental procedures designed to restore the function and appearance of teeth. Examples include crowns, bridges, onlays, dentures, and sometimes implants. These treatments are more extensive and expensive than basic restorative services such as fillings.
Dental plans usually reimburse a lower percentage for major restorative work, often 50 percent, and apply longer waiting periods to control costs. Some plans have distinct annual or lifetime limits for this category.
Example:
If a crown costs $1,200 and your plan covers 50 percent under major restorative, you receive $600 and pay $600.
What to Watch For:
Confirm the waiting period and whether pre-determination is required before major dental work begins. Pre-approval helps avoid unexpected costs.
