Basic services
Fillings, extractions, and basic treatment, your plan pays 70 to 80% after the deductible.
What are basic dental services?
Basic dental services are the middle tier of dental procedures, covering fillings, simple extractions, and often non-surgical periodontal care. PPO plans typically pay 80% of the allowed amount after your deductible, so you pay the remaining 20%.
Basic services (also called basic coverage or Class II services) sit between preventive care, which plans usually cover at 100%, and major services such as crowns and bridges, which plans cover at around 50%. They address active disease or damage without the lab-fabricated parts that define major work. A short waiting period of 3 to 6 months is common on individual plans before basic benefits begin.
| Procedure | Category | Typical plan pays |
|---|---|---|
| Composite or amalgam fillings | Basic | 80% |
| Simple extractions (visible tooth) | Basic | 80% |
| Deep cleaning, scaling and root planing | Basic on most plans, major on some | 50% to 80% |
| Surgical extractions, impacted wisdom teeth | Major or oral surgery | 50% |
The exact split depends on your plan's benefit schedule, and some carriers such as UnitedHealthcare or MetLife place deep cleaning in basic while others treat it as major. Always confirm against your own Summary of Benefits.
How it works
A basic service claim (CDT codes in the D2000, D4999 range for most basic procedures) is received by the carrier. The plan confirms: (1) the basic waiting period has elapsed, (2) the deductible has been applied, (3) the coinsurance percentage for basic services applies, (4) the procedure is on the covered services schedule. If all conditions are met, the plan pays its percentage (80% is common) of the allowed amount after the deductible.
Composite filling on a back tooth, two surfaces (D2392). In-network allowed amount: $180. Your $50 deductible is unmet. Plan: deductible first, you pay $50 toward the $180. Remaining: $130. Plan pays 80% × $130 = $104. You pay 20% × $130 = $26. Total your cost: $50 + $26 = $76. If deductible already met: you pay only 20% × $180 = $36.
What to watch out for
- The waiting period for basic services (typically 3 to 6 months on individual plans) applies even if you had dental insurance before, unless you invoke continuity-of-coverage credit at enrollment. A lapse in coverage, even brief, resets the clock.
- Amalgam vs. composite is a coverage nuance. Some plans cover composite fillings on posterior (back) teeth only at the amalgam rate, paying the composite cost up to the allowed amount for a less expensive amalgam filling. If you choose composite on a back tooth, confirm your plan's policy; you may owe the difference.
Frequently asked questions about basic services
Basic services are typically direct restorations (fillings) and simple procedures done in one appointment. Major services involve lab fabrication (crowns, bridges) or surgical complexity (bone grafts, implants) and require multiple appointments. Plans cover major services at a lower coinsurance rate (typically 50%) than basic (70% to 80%) and impose longer waiting periods.
Simple extractions (removing a visible tooth with normal anatomy) are basic services. Surgical extractions, including impacted wisdom teeth, teeth requiring bone removal, or roots requiring sectioning, are typically classified as major or oral surgery services and covered at the lower major coinsurance rate.
Yes, in most plans. Scaling and root planing (CDT D4341/D4342) is classified as a basic service, covered at the basic coinsurance rate (70% to 80%) after the deductible. It is subject to the basic waiting period and frequency limits (typically one quadrant per day, full mouth once per benefit year per quadrant).
The claim will be denied. You may pay out-of-pocket or wait for the waiting period to elapse. If the cavity is progressing rapidly, delaying risks the tooth requiring a crown (major service) instead, which has an even longer waiting period. Weigh the cost of paying out-of-pocket for the filling now against the higher cost of a crown later.
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