Dental insurance reimburses you for certain dental expenses according to a written contract that your employer has with an insurance company. As most dental disease is preventable, dental insurance rewards you for practicing preventive measures such as regular checkups and professional cleanings. These preventive measures are usually paid at a higher percentage rate than major dental procedures. As gum disease is a condition that often can be prevented or lessened through proper daily dental habits and regular dental visits, the dental insurance coverage to pay for such treatment is at a lower percentage rate. However, treatment is much more costly. Dental insurance can be very confusing due to the different percentages paid for different treatments. Knowledge of your plan will help you to avoid unexpected bills and also help to keep a good rapport with your dentist's office. You can then pay them what will be owed at the time of service. Most dental plans also have a maximum payout of approximately $1000 (one thousand dollars) per year. In comparison to medical insurance, this is an extremely low payout. Treatment for gum disease, which can involve a crown, implant, or oral surgery, can cost much more than the maximum allowed per year and the bill will be your responsibility. As gum disease is very serious, delaying treatment can lead to additional dental problems. Prevention is the key to both a healthy mouth and low-cost dental care.