When people hear the term “full coverage dental insurance,” they believe that this type of insurance covers all the costs related to dental care. This is not the case with most insurance company. “Full coverage” is just another term for standard insurance. Full coverage dental insurance works just like most other insurance policies. You pay a premium and depending on the rate of that premium, is how insurance companies decide your coverage. Obviously if you pay a higher premium, you can expect to have more of your procedures and visits costs covered. Generally, prevention is always covered and minor work is a small co pay out of pocket.