Dental Insurance: While it will not cover the entire cost of a dental procedure it will help pay a percentage of the cost of that procedure. Most policies cover annual or semi-annual teeth cleaning and x-rays with no or little out of pocket expense. There are annual limits to what is covered and, depending on your situation, you may have a waiting period. Always be sure to have your dentists office coordinate with your dental insurance carrier to determine the best way to minimize costs before starting any procedures. A minimal pediatric dental insurance is a required part of ACA compliant health plans.