Dental insurance providers typically do not cover the full cost of dental charges to help offset the cost of expensive dental procedures. Insurance companies also use different levels of repayment for different services to encourage patients to choose particular procedures.
The portion of a dental charge that is not covered by an insurance company is usually called coinsurance. This charge often varies between different types of procedures; for example, an insurance company often pays the full cost of routine cleanings and examinations but only pays for 50 percent of complex procedures such as dental implants. The insurer therefore recoups some of the cost of expensive procedures, while encouraging patients to have regular dental care that may help reduce the need for such expensive procedures.