Preventive services: Typically have no waiting period and include routine dental exams, routine X-rays, cleaning, fluoride treatment, sealants and space maintainers.

Basic services: Typically have a six-month waiting period and include dental exams, X-rays, routine extractions, treatment to ease dental pain and simple fillings.

Major services: Typically have a 12-month waiting period and include root canals, crowns, inlays, onlays, veneers, bridges, dentures and oral surgery.

Orthodontia: Typically not a covered dental expense for individual plans (see group dental through employer only or visit Discounts by Design offering a discount dental plan for your whole family for only $5.95 a month)