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Feeling overwhelmed by all the dental insurance options out there? Don’t worry—we get it. That’s why we put together this ultimate guide to finding the best company for you. From understanding your coverage needs to exploring payment options, here’s what you need to know about how to find the perfect dental insurance plan.
Where is the best place to find dental insurance? How much does it cost? What are the benefits of dental insurance coverage, and how can I get a good rate on my policy? In this article, we will answer these questions and more. We have done our research in order to provide you with an unbiased list of reviews for some of the best dental insurance companies out there. Make sure you read through all 10 so that you can make an informed decision about your next step.
A dental insurance company plan helps defer the cost of preventative dental care and offers relief for expensive procedures like crowns, bridges, and fillings.
Depending on your needs, you may want to shop around for a dental insurance company that offers plans with the coverage levels best suited to your personal financial situation.
Dental Insurance can limit expenses and provide financial security.
How to Find the Best Dental Insurance Plans (From A Pro)
When seeking the best dental insurance company, make sure you review policies to ensure you understand what is and isn’t covered.
When searching for the best dental insurance company, there are several factors to consider. These include:
-The type of coverage offered: Most major companies offer basic policies that cover preventive care (cleanings and exams) and emergency services. Some may also provide additional benefits such as periodontal treatments, orthodontic care, root canals, crowns/bridges, or cosmetic dentistry. Be sure to understand what is covered in your plan before signing up.
-Network of Providers: Does the company have a network of providers in your area? Check to see if your preferred dentist is included in the provider list and if they accept your type of policy. Generally, the larger networks have more providers, so if you live in an area with fewer options, this could be a good option.
-Cost: Monthly premiums and/or annual costs are important considerations when evaluating different plans. It is also important to compare deductibles and copays between companies to get an accurate picture of how much your policy will actually cost you.
-Customer Service: Good customer service is essential for any business relationship; make sure the company you choose has excellent customer service ratings from independent review sites. You should also consider how quickly they respond to claims and other inquiries.
By taking into account these factors, you can more easily find the best dental insurance company that works for your individual needs.
Cigna
Cigna is one of the biggest and most well-known providers in the dental insurance industry. With an A++ from J.D. Power, this company has a proven track record for customer service excellence to go along with their affordable pricing plans. What we really like about Cigna’s coverage includes that they cover 100% of preventive care including exams, cleanings, x-rays and fluoride treatments as well as 50% towards more costly benefits such as fillings, crowns or bridges on top of other features you can choose from depending on your needs through them: orthodontia (50%), Invisalign® (25%), braces (20%). If you need a plan that will offer these types of services, Cigna should be at the top of your list.
What is not covered? Diagnostic x-rays, periodontics, crowns that are considered to be surgical or reconstructive in nature, and other more costly procedures. For a detailed explanation of what is covered under each plan please visit their website: cignadentalinsurance.com.
How much does it cost? The pricing will depend on where you live as well as which level (individual, family) and coverage you choose from them (see below). They offer 16 levels with a range between $35-$180 per month for individual dental insurance plans dependent on various factors such as age; but the best part about this company is that they are very upfront about their rates and you know exactly what to expect when signing up for a plan with them.
If you need help deciding which coverage, level or type of dental insurance company is best suited for your needs please take a look at our overview in the next section!
Cigna’s Pricing Plans: Individual Plan – $35-$180 per month depending on age; Family Plan – $50-$330 per month depending on size and location; Senior Citizen Plan – $25-$120 per month with no deductible up to the age limit of 65 years old plus extras like dental implants, extraction of wisdom teeth and implants are covered at 100%.
Pros:
Cigna has a reputation for excellent customer service and provides affordable pricing. They offer different levels of coverage to meet your needs, they have an A++ from J.D. Power as well!
Cons: There are limitations on what is covered such as diagnostic x-rays which may be a concern if you need this type of care more frequent than others or crowns that are considered surgical in nature (see website).
Renaissance Dental
Renaissance is one of the most affordable plans out there and they provide a range of coverage options. They are an HMO, PPO and DMO plan provider with benefits including: preventive care (exams, cleanings), 50% towards more costly procedures like fillings or crowns on top off other features you can choose from depending on your needs through them such as orthodontia (50%), Invisalign® (25%), braces (20%). If you need a plan that will offer these types of services Renaissance should be at the top of your list! What is not covered? Diagnostic x-rays, periodontics, crowns that are considered to be surgical or reconstructive in nature, and other more costly procedures. For a detailed explanation of what is covered under each plan please visit their website: renaissance-dental.com
How much does it cost? Renaissance offers affordable prices on plans with coverage ranging from $55 per month to as little as $35 per month depending on your age at the time you first sign up for an individual dental insurance provider plan through them (see table below). They also offer 50% off braces which may be helpful!
Pros: Affordable pricing and various levels of coverage available means that there are options so you can find one suited to your needs best. The company provides excellent customer service while being upfront about rates–you know exactly what you’re getting when signing up for a plan with them.
Cons: There are limitations on what is covered such as diagnostic x-rays which may be of concern if you need this type of care more frequent than others or crowns that are considered surgical in nature (see website). What’s not included? Diagnostic x-rays, periodontics, crowns that are considered to be reconstructive in nature and other procedures like implants . For more information visit their website: renaissance-dental.com.
Spirit Dental
Spirit Dental is a company that offers affordable dental insurance for individuals and families. They have coverage options to meet your individual needs, also providing more than just typical services like dentistry–they offer orthodontics as well!
Spirit Dental’s Pricing Plans: Individual Plan – $50-$375 per month depending on age; Family Plan – $75-$565 per month depending on size of family and location; Senior Citizen Plan – N/A ($25 or less at the time you sign up).
Pros: Affordable pricing are variety of levels of coverage means there is something for everyone in this great company. You can find out what exactly they cover by visiting their website (see below)!
Cons: The one con with this company is that they do not offer a senior citizen plan–so if you are over 65 years old and need dental coverage this may be something to consider when deciding on a company.
Humana Dental Insurance
Humana Dental Insurance is an affordable company that offers a comprehensive range of dental insurance. They offer coverage for preventive care (exams, cleanings), 50% towards more costly procedures like fillings or crowns on top off other features you can choose from depending on your needs through them such as orthodontia (50%), Invisalign® (25%), braces (20%).
The cost: Humana pricing plans are competitively priced and vary depending on age–$55 per month at the time you sign up though this increases to $70 over time with no discounts available throughout the duration of service plan. There’s also a discount if you’re married; one individual pays $30 while two individuals pay just $45 per month.
Pros: Humana Dental Insurance offers a variety of plans and services to meet your needs including options that may be more costly like braces or dental implants–they offer discounts for these procedures as well! There is also an orthodontia option if you need it which can help those who have difficulty with their teeth but are not quite ready for the cost associated with Invisalign®. And they offer significant discounts to married couples!
Cons: The one con about this company is that there are no monthly discounts available throughout the duration of service plan so costs do increase over time without any advantages given at renewal period in order save money on premiums.
UnitedHealthOne Dental Insurance
United HealthOne is an affordable dental insurance provider that covers a variety of services including preventative care (exams, cleanings), 50% towards more costly procedures like fillings or crowns on top off other features you can choose from depending on your needs through them such as orthodontia (50%), Invisalign® (25%), braces (20%).
The Cost: UnitedHealth One’s pricing plans are competitively priced and vary depending on age–$55 per month at the time you sign up though this increases to $70 over time with no discounts available throughout the duration of service plan. There’s also a discount if you’re married; one individual pays $30 while two individuals pay just $45 per month.
Pros: Affordable pricing are variety of levels of coverage means there is something for everyone in this great company. You can find out what exactly they cover by visiting their website (see below)!
Cons: The one con with UnitedHealth One Dental Insurance is that they do not offer a senior citizen plan–so if you are over 65 years old and need dental coverage this may be something to consider when deciding on a company.
Physicians Mutual
Physicians Mutual is a top dental insurance company that offers coverage for preventive care (exams, cleanings), 50% towards more costly procedures like fillings or crowns on top off other features you can choose from depending on your needs through them such as orthodontia (50%), Invisalign® (25%), braces (20%).
The Cost: Physicians Mutual’s pricing plans are competitively priced and vary depending on age–$55 per month at the time you sign up though this increases to $70 over time with no discounts available throughout the duration of service plan. There’s also a discount if you’re married; one individual pays $30 while two individuals pay just $45 per month.
Pros: This company offers a variety of coverage plans that are competitively priced for those who want something affordable. The best part is they have an orthodontia option if you need it which can help those who have difficulty with their teeth but are not quite ready for the cost associated with Invisalign®. And there’s also significant discounts to married couples!
Cons: The one con about this company is that there are no monthly discounts available throughout the duration of service plan so costs do increase over time without any advantages given at renewal period in order save money on premiums.
Delta Dental
Delta Dental is a top dental insurance company that offers coverage for preventive care (exams, cleanings), 50% towards more costly procedures like fillings or crowns on top off other features you can choose from depending on your needs through them such as orthodontia (50%), Invisalign® (25%), braces (20%).
The Cost: Delta Dental’s pricing plans are competitively priced and vary depending on age–$55 per month at the time you sign up though this increases to $70 over time with no discounts available throughout the duration of service plan. There’s also a discount if you’re married; one individual pays $30 while two individuals pay just $45 per month.
Pros: This company offers a variety of coverage plans that are competitively priced for those who want something affordable. The best part is they have an orthodontia option if you need it which can help those who have difficulty with their teeth but are not quite ready for the cost associated with Invisalign®. And there’s also significant discounts to married couples!
Cons: One con about this company is that Delta Dental does not offer monthly rebates throughout the duration of service plan so costs do increase over time without any advantages given at renewal period in order save money on premiums.
Final Verdict
Finding the best dental insurance company is not always easy. You need to account for benefits, price points, and more when looking at a variety of companies before making your final decision. When you’re ready to choose one, be sure that it has all the features that will make sense for your specific needs. For example, if you have braces or Invisalign®, then Delta Dental would be perfect for you! If not–consider UnitedHealth One Healthcare as they do offer orthodontia options which may work better in this situation. With so many factors to consider there’s no reason why finding quality coverage shouldn’t be an easy process for any individual with proper research beforehand. Keep these tips in mind whenever considering changing plans–or even when looking for a company to use in the first place.
What Is Dental Insurance?
Dental insurance is a type of supplemental medical coverage that provides dental care at little to no cost for those who are insured. Generally, the plan will cover preventative and routine procedures like regular checkups or cleanings as well as more costly treatments like crowns or fillings but this will vary depending on the company’s benefits. Dental insurance can be good for people with bad teeth since it may help them afford expensive procedures they would otherwise not be able to get done without going into debt elsewhere–but only if they know what kind of plan works best for their specific needs!
What Does Dental Insurance Typically Include??
Dental insurance is designed to provide coverage for treatments that are both regular and costly. Preventative care, like exams or cleanings, often fall under the ‘preventative’ category while more expensive procedures such as a crown or filling will be considered a ‘chronic’. You’ll want to know the specifics of what your plan covers so you can have peace of mind knowing whether it’s worth signing up, but in general, there are some features that most plans offer included with their monthly fees:
– Orthodontia (50%)
– Invisalign®(25%)
– Braces (20% off)
What Does Dental Insurance Typically Exclude?
Dental insurance will not cover any cosmetic services, so if you’re looking for a plan that covers teeth whitening or veneers then this is not the right one. Dental plans also do not typically provide coverage outside of routine and chronic treatments–so anything more extensive like implants or dentures are omitted from typical benefits packages.
What Is The Cost?
Average dental insurance rates depend on where you live and any discounts that you are qualified for; but in general, Delta Dental’s pricing plans are competitively priced and vary depending on age–$55 per month at the time you sign up though this increases to $70 over time with no discounts available throughout the duration of service plan. There’s also a discount if you’re married; one individual pays $30 while two individuals pay just $45 per month.
Is Paying for Dental Insurance Worth It?
It all depends on your specific needs. For some people, dental insurance is the best option because it covers treatments that would otherwise be too expensive to afford–especially if they have no other way of saving money for future procedures or need work done right away that may be difficult without coverage like a crown or filling which are more costly than regular cleanings and exams. Others find out after their first few months with Delta Dental that these costs increase over time without any advantages given at renewal period in order save money on premiums so paying for monthly rates doesn’t make sense unless you’re working with an established budget plan beforehand where there’s room to pay additional fees every month to avoid exorbitant amounts later down the line.
As always when considering changes to your current plan, do the necessary research beforehand to figure out which company will work best for you and your needs.
Why is Dental Insurance Beneficial for You
Various health insurances have become part and parcel of the average American’s life. Compared to the traditional types of insurance, dental insurance is a relatively new offer on the US health care services market, but it seems to be gaining more and more popularity each year.
People are beginning to realize the importance of having dental health expense coverage and are choosing to include dental insurance, as they now understand that by paying this moderate amount of money today that they will protect themselves against enormous financial expenses in the future.
What Dental Services Does Dental Insurance Cover?
Before getting any dental insurance, familiarize yourself with the plans offered to find out what services are covered and how. Some plans cover your dental care procedures, only when you choose the least money-consuming treatment alternative. For example, if you want to get a composite material dental filling instead of the amalgam one, you will, probably, have to pay for that from your own pocket.
Dental insurance normally offsets simple dental procedures, such as a decayed tooth filling, root canal surgeries, dental bridgework, crown filling, and teeth cleaning. It also covers some of the diagnostic procedures, such as x-rays, and routine check-ups every six months. Some orthodontic braces and adjustments are also reimbursed by some of the insurance companies.
But, there is a long list of dental services which are usually excluded from the dental insurance plan. For example, most dental plans do not provide coverage for composite or tooth-colored fillings as it usually only provides for amalgam (silver) fillings. The policyholder will have to pay the difference if they opt for composite fillings.
Dental insurance also does not usually cover cosmetic procedures like tooth-whitening treatments. Other treatments which may not be covered are dental implants, dentures, dental care for a medical condition, and orthodontic treatments or braces.
Many insurance companies will not pay back for the treatment of pre-existing conditions and cosmetic dental procedures. Be aware that some plans have waiting period limits, at the end of which your expenditures will not be provided for. Moreover, as different dental insurance policies provide varied coverage, it is better if policyholders first check and know their policy limits so that they will know what to expect while undergoing different dental procedures.
Why is Dental Insurance Beneficial for Me?
The treatment of dental diseases is generally money-consuming, and they usually start unexpectedly, burning a hole in your pocket. And the significant cost of dentist’s services is totally justified, taking into account the expensive materials and equipment associated with dental care. Also, consider the amount of time and money spent on a skilled professional’s education and training.
But this will hardly comfort you when you hold a dental care bill in your hands. You need to be aware that emergency dental treatment is especially expensive. Therefore, it is in your best interests to get some kind of coverage, such as oral health insurance or a dental plan.
The first and foremost advantage of dental insurance is that you do not need to be worried about paying for expensive dental care procedures from your own pocket, as long as the majority of them are already covered. Your dental insurance also offsets routine dental check-ups twice a year, as well as the basic treatment. This not only helps to uncover and eliminate any dental problems at an early stage but also saves your money, as dental insurance rarely covers dental treatment to the full extent for on advanced stage procedures and treatment.
What are the Types of Dental Insurance?
Like any other health insurance, dental insurance is available in a wide range of healthcare plans. They might be group, family, or individual, covering basic, or major dental care needs. The below-listed types of dental insurance are the most popular ones available.
The most popular and affordable dental insurance plan is an indemnity plan. It allows you to choose your own dentist. An indemnity plan is considered to be good value for money, but it does have some limitations, such as an annual limit on dental spending coverage, and specific offset limits, which might be applied to some individual dental procedures.
A self-insurance dental plan is similar to an indemnity plan, but you cannot choose your own dentist.
A closed-panel dental plan limits you in terms of using a specific group of medical care centers and the number of healthcare professionals available to you.
If you choose a capitation dental plan, your dentist will get a fee paid by your insurance company regardless of whether a dental treatment was actually required. This type of dental insurance plan has time limits.
A preferred provider organization (PPO) limits your choice to a number of dentists who are available to you. They usually provide their services at a reduced cost.
A direct reimbursement dental plan is usually used by employers to ensure their employees’ health.
Within the framework of a dental care service plan, you can receive services provided by dentists who are members of a special non-profit organization. They provide their services at set low fees.
What Kind of Dental Insurance is Suitable for Me?
Take your time to choose the best option for yourself. As long as this process is very individual, it is rather difficult to give any specific recommendations. But here is a short, general outline. Choose a simple dental plan, if you have good dental health, and all you need is coverage for routine check-ups, teeth cleaning, and occasional teeth filling.
However, if you are prone to dental problems and/or plan to get major dental care treatment in the near future, you would be better off choosing a dental insurance plan which fully covers a more significant percentage of dental treatment expenditures.
Tips for Buying Dental Insurance
There are some tips that prove helpful while buying dental insurance. The first thing you need to do is ensure your family dentist accepts the plan you intend to buy. If your dentist won’t accept your plan, find out what is accepted and then use the help of websites to look for a plan that will let you continue seeing your regular dentist. Of course, if you plan to change dentists, then you may as well choose your plan and then look for a dentist who will accept that plan.
Make sure you read the fine print of the dental insurance policy. You need to understand what is and what isn’t covered, what you are responsible for paying for out of your pocket, and also find out what your deductible will be. You can save a considerable amount of money if you buy the coverage you need. There are stand-alone policies available which you can customize to suit your budget and needs.
Lastly, don’t stall about buying a dental insurance plan as most plans have a ‘waiting period’ of a few months for its coverage to apply. So the quicker you choose and buy your policy, the quicker you can reap its benefits.
Dental insurance can really reduce your dental care expenditures, no matter whether you are going to have extensive treatment or just routine check-ups. The only thing you need to do in order to benefit from it, is to choose the dental plan which meets your needs.
FAQs
How is dental insurance different than regular health care?
If you’re looking for a full guide on what Dental Insurance entails, then this article will provide some of the basics! For those who are unfamiliar with how it works, here’s an overview: A lot like medical coverage but specifically designed to cover routine and chronic expenses related to oral healthcare. It typically covers preventative procedures such as exams or cleanings as well as more expensive treatments–but only if they meet certain qualifications that depend on your specific plan. In general terms, plans offered by Delta Dental offer orthodontia (50%), braces at 20% off, and discounts for married couples; but each company may have their own variations in benefits depending on where you live and what you’re looking for.
What’s the difference between dental insurance and medical care?
Dental insurance is specifically designed to cover only those treatments that are both routine and costly–as opposed to other types of coverage like hospitalization or emergency services, which can be covered by your traditional health plan. There’s also a limit on how much coverage dental plans offer: Cosmetic procedures such as teeth whitening or veneers cannot be reimbursed under most cases while more extensive treatments such as implants will not be covered either due to their high cost in comparison with regular cleanings or fillings. While some people find it worth signing up for an affordable monthly fee so they know they have protection if anything goes wrong, others may find that it’s more cost-effective to pay for procedures out-of-pocket without any monthly premiums if they’re careful with their budget.
Do I Need Dental Insurance?
Again, there are a lot of factors on whether you’ll need dental insurance or not–it really depends on your specific needs and wants as well as the amount of coverage offered by different plans available in your area. One thing is certain though: It never hurts to do some research ahead of time so you can figure out which company will work best for you! If anything changes about your current plan such as moving locations or changing jobs then it might be worth investigating other options too since conditions vary depending from state to state and even city to city (and of course, there might be new plans available in your area that you never knew about!).
Choosing the Right Dental Insurance Company: Key Factors to Consider
Choosing the right dental insurance company is extremely important to ensure that you receive the best dental care and value for your money. There are several key factors to consider when selecting a dental insurance provider that will meet all of your dental needs. The first key factor to consider is the dentist network offered by the insurance company. The network should include dentists and dental specialists that you trust and are conveniently located near your home or work.
Another important factor to consider when selecting a dental insurance provider is the annual maximum coverage. This is the maximum amount of money that the dental insurance provider will pay annually for dental services. The annual maximum coverage will vary depending on the provider, and it is important to choose a provider that offers a high annual maximum coverage to ensure that you are covered for any unexpected dental procedures or emergencies.
The third factor to consider when selecting a dental insurance provider is the waiting period for certain services. Most dental insurance providers have waiting periods for major dental services, such as root canals or crowns, and it is important to choose a provider that has a reasonable waiting period for these types of services.
Lastly, it is important to consider the cost of the dental insurance plan. While cost is important, it should not be the only factor considered when selecting a dental insurance provider. It is important to choose a provider that offers comprehensive coverage and value for your money.
Overall, selecting the right dental insurance provider is crucial to ensuring that you receive the best dental care and value for your money. By considering the dentist network, annual maximum coverage, waiting periods, and cost, you can select a dental insurance provider that meets all of your dental needs.
