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Dental insurance plans vary widely. Understanding your dental insurance benefits can be complicated. At Axiom Dentistry, our experienced patient care coordinators strive to assist you in better understanding your benefits. We want to help you get the most from your dental insurance plan. 

What are maximums, deductibles, and coinsurance?

Most insurance plans have some or all three of these conditions:


Dental plans have a maximum dollar amount that can be paid out during a benefit year. Any costs above this maximum amount are the full responsibility of the policyholder.


Just like your car insurance, most dental plans have a deductible that must be met before the dental insurance will contribute.


Dental insurance plans pay a percentage of your dental services once the deductible has been met up to the maximum dollar amount. Most services fall under one of the following coinsurance categories:

  • Preventive – Routine cleanings, examinations, X-rays, sealants and fluoride
  • Basic or Restorative- Fillings and simple extractions
  • Major- Crowns, bridges, partials, dentures, and surgical extractions

Root canals and periodontal treatments such as “deep cleanings” can be classified as basic or major services depending on your individual policy.

If your dental service is $122.00 and you have a standard $50.00 deductible and 20 percent coinsurance, your dental insurance will pay $57.60.

What is an In-Network provider, and how does this benefit me?

An in-network provider is contracted with an insurance company to provide services to plan members for a specific pre-negotiated rate. When you visit an in-network provider, you will only be charged the contracted fees that your dentist has agreed to accept.

When you visit a dentist outside of your network, you may be charged higher fees because the provider has not agreed to any set rate with your insurer. You will also be responsible for the difference between your insurers contracted rate and what the provider charges. Most plans also require a higher co-pay and deductible when you visit an out of network provider. 

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What about the fine print?

There are a few other “fine print” conditions that might affect your insurance reimbursement. The following list is a few that are common to many plans:

Frequency Limitations

These limits dictate the number of exams, cleanings, X-rays and other services that your plan will pay during a year. Any additional services outside of these limitations will be the responsibility of the insured.

Waiting Period

The amount of time that an insured must wait before the insurance carrier begins to pay for services. This is commonly six months to a year.

Missing Tooth Clause

This clause states that the insurance company will not pay for a tooth to be replaced (dentures, partials, implants, or bridges) that was missing prior to becoming covered by the plan.

Replacement Clause

The time period a patient must wait to replace an older crown, bridge, partial, or denture. This usually amounts to 5-10 years.

Axiom Dentistry is an in-network provider with most insurance companies. Our dedicated professionals will work with you to better understand and utilize your benefits. Contact Axiom Dentistry to learn how your insurance can work for you!

No dental insurance? Axiom Dentistry offers a variety of helpful alternatives including the Axiom Membership Plan.

Meet Our Doctors

What People Are Saying

Nicole V.
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My experience from both Clayton and Benson has been amazing! My fear of going to the dentist is at ease. The staff is amazing and understanding! I had to reschedule a cleaning multiple times due to some issues health wise and surgery recovery a couple times and they were very understanding. Wonderful staff!!
Denise W.
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I know no one really enjoys going to the dentist, but the staff at Axiom’s Garner office are absolutely amazing! Their ability to ease my anxiety has made each visit a positive and pleasant experience.
Craig M.
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I always have a great experience with this practice. Lori has always been amazing. She takes care of my smile. Always provides great attention to detail. This office is ran smoothly, i definitely recommend.
Carla M.
Leesville Rd.
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Dr. K and All the doctors (the doctor I had on Wednesday, July 26, 2023 in Dr. K's apprentice [I can't rember her name] however she was wonderful) ALL THE STAFF were AMAZING! They were attending, friendly, and caring. They were very knowledgeable of what they were doing. The best Treatment experience Ever!!! I WILL NOT GO ANYWHERE ELSE! Leesville Rd is Awesome!
Sarah P.
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Dr. Ogar at Axiom Dentistry in Louisburg is exceptionally kind, patient, & compassionate, as well as knowledgeable in her field. Like many people I have high anxiety at dental appointments & even worse during procedures. This entire office is full of professionals that are without doubt deserving of a 5 star review.
Robert P.
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Great service! Appointments happen on time. The staff was very professional, great atmosphere set in the office with music, and doctors and assistants listened to you. Very enjoyable experience and recommend them to anyone looking for a dentist.
Toni C.
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The office staff are friendly and always helpful. The dentists and dental team are professional and provide top notch care. The facility is clean and inviting. I am always given an estimate in procedure costs before arriving at the office. I have recommended them to several family members and friends.

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