Dental Insurance Full Coverage in 2025: Dr. Kevin Molldrem Shares What’s Covered—And What’s Not

Does my insurance cover everything?” It’s a question Dr. Kevin Molldrem hears almost daily at his Lakeville practice—and for good reason. The phrase “dental insurance full coverage” sounds reassuring, but in 2025, it rarely means 100% of all procedures are covered. Patients are often surprised to find out that even full coverage plans come with limitations, exceptions, and fine print that can make navigating benefits confusing. That’s why we sat down with Kevin Molldrem DDS, a trusted name in preventive and restorative care, to demystify the truth behind full dental coverage.

What Dental Insurance Full Coverage Usually Covers

 

According to Kevin Molldrem, most full coverage dental plans focus on preventive care. This includes exams, cleanings, X-rays, and fluoride treatments—often covered at 100%. These are the foundations of oral health and are encouraged by insurance providers because they prevent larger, more costly problems down the road.

Dr. Kevin Molldrem emphasizes the value of taking full advantage of these benefits. “Preventive care isn’t just free—it’s the smartest way to avoid expensive procedures later,” he says. At Molldrem Family Dentistry, patients who maintain regular checkups tend to experience fewer emergencies and lower long-term costs.

What Full Coverage Often Leaves Out

 

Many people assume “full coverage” includes everything from root canals to veneers. In reality, most plans only cover basic procedures (like fillings and extractions) at around 70–80%, while major procedures (such as crowns, implants, and bridges) may only be covered at 50%—or not at all depending on your policy.

Cosmetic treatments, such as whitening and veneers, are usually excluded. Kevin Molldrem DDS advises patients to check for coverage limitations, waiting periods, and exclusions. “You shouldn’t be surprised when insurance doesn’t cover a cosmetic crown or Invisalign,” says Kevin Molldrem. “Know what’s included—and what’s not.”

The Hidden Limits: Annual Maximums and Out-of-Pocket Costs

Even with a good plan, your insurance company may only pay a set amount each year. Most annual maximums range between $1,000 and $2,000. That means if you need multiple procedures—especially major ones—you may reach your limit quickly.

To help patients get the most from their plans, Dr. Kevin Molldrem and his team work strategically. They often schedule treatments across two calendar years to stay within annual caps and minimize costs. It’s just one of the ways Molldrem Family Dentistry ensures smarter, more affordable care.

What to Do When Insurance Doesn’t Cover It All

Elective procedures—like veneers, whitening, or even some orthodontic treatments—are usually not included in standard full coverage plans. But that doesn’t mean you’re out of options. Kevin Molldrem DDS offers flexible payment plans, in-house dental memberships, and guidance on third-party financing for patients who want to enhance their smiles beyond what insurance covers.

“We believe cost should never get in the way of confidence,” says Kevin Molldrem. “That’s why we offer transparent pricing and financing for all patients, insured or not.”

Get Expert Help Understanding Your Benefits

The fine print of dental insurance can be confusing, but Dr. Kevin Molldrem makes it easy. At Molldrem Family Dentistry, the team reviews each patient’s policy, confirms exact coverage, and handles all the billing details for you. You’ll know exactly what’s covered before any treatment begins—no guesswork, no stress.

Final Thought: Full Coverage Starts with Full Understanding

Don’t let confusing insurance terms hold you back from the dental care you deserve. With expert insight from Kevin Molldrem DDS, you’ll know how to maximize your benefits, reduce surprise costs, and plan your care with confidence. If you’re wondering how far your dental insurance full coverage can take you, Dr. Kevin Molldrem is the name Lakeville trusts for clarity, care, and complete support.