Dental insurance works by covering a portion of your dental care costs, helping you manage and reduce out-of-pocket expenses. When you purchase a dental insurance plan, you pay premiums, oftentimes on a monthly basis. In return, the insurance covers diagnostic and preventive services like cleanings and exams, as well as a percentage of costs for procedures like fillings, crowns and root canals. Most plans have a network of preferred providers, allowing you to choose from a list of dentists who offer services at negotiated rates that are typically lower than rates you would pay without insurance. By using Renaissance dental insurance, you can maintain good oral health without the financial stress, helping to ensure you receive the care you need when you need it.