What types of services are covered at lower percentages?

In the context of health insurance and dental coverage, major services, such as crowns and dentures, are typically considered high-cost procedures and are thus covered at lower percentages compared to preventive services and basic treatments. This is due to the increased complexity and expense associated with these procedures. For instance, while preventive services (like routine cleanings and check-ups) are often covered at a higher percentage to encourage regular care and maintain overall health, major services require more extensive and intrusive intervention, which naturally leads insurance plans to cover a smaller portion of the cost.

Preventive services are aimed at catching problems early when they are typically less severe and less costly to treat, creating a strong incentive for insurance plans to promote them. Basic services, such as examinations and consultations, are also generally covered at higher percentages since they are fundamental to maintaining health and can prevent more serious issues from developing. Emergency health services, depending on the nature of the service, might offer a different coverage structure but tend to be supported at reasonable levels due to their critical nature. In contrast, due to their high costs and the need for ongoing treatment or correction, major services are generally covered at a lower percentage. This structure reflects the insurance model's approach to balancing risk, cost management, and access to