Dental Insurance

Finding a comprehensive dental insurance plan at a reasonable rate is always a challenge. it is important to consider your specific needs. The best dental insurance plan will not only save you money but can also give you peace of mind, knowing that you will be covered when it's needed. Find the best options for dental insurance on the market in this guide.


Compare Reviews for The Best Dental Insurance Companies

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Aetna Dental Insurance

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Founded in 1853 in Hartford, CT, Aetna is committed to providing individuals, employers, health care professionals, producers and others with innovative benefits, products and services. Aetna is now a subsidiary company of CVS Health Corporation. Discover more about our organization.

United Healthcare Dental Insurance

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The cost of not taking care of your oral health could be more. Those without individual dental coverage are less likely to get routine dental care, meaning they seek out a dentist only when they have a problem. By then, more extensive and more expensive measures may be necessary, and major problems linked to poor oral health (like heart disease and diabetes) are more likely to appear.3 Doing nothing now means you might pay more later.

Metlife Dental Insurance

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Preventive oral care not only provides benefits for your overall health, it also helps avoid unexpected expenses like oral surgery. Our large network and flexible coverage options help keep your out-of-pocket costs down.

DentalPlans.com

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DentalPlans.com is a leading dental and health savings marketplace in the U.S., helping more than a million people to affordably access quality healthcare services. DentalPlans.com works just like a wholesaler membership: pay one affordable membership fee per year and save 10-60% on most dental procedures.

Cigna Health Insurance

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At Cigna, we're more than a health insurance company. We are your partner in total health and wellness. And we’re here for you 24/7 – caring for your body and mind. As a global health service company, Cigna's mission is to improve the health, well-being, and peace of mind of those we serve by making health care simple, affordable, and predictable.

Dental Insurance

Are you looking to buy dental insurance? If yes, then do read this write-up. It would help you to pick the right deal.

What Is Dental Insurance?

Dental insurance, which is often referred to as a dental plan, is a type of health insurance meant for paying a part of your dental care expenses.

Buying a dental insurance policy from one of the best dental insurance companies will allow you to effectively prepare a budget for your dental care.

The policy you purchase will clearly mention how much you will have to pay from your own pocket and which procedures will be covered by it. You can expect dental insurance to cover all kinds of gum and teeth issues along with preventive care like annual cleanings.

Types of Dental Coverage

Preferred Provider Organization (PPO) plans

These plans will allow you to choose from a network of dental service providers. If you visit a dentist who's not a part of the network, your expenses will be much higher.

PPOs tend to come with a coinsurance and annual deductibles. They typically pay the entire amount for preventive care like routine exams and X-rays, cleanings, etc. However, for procedures that are not part of preventive care, you will need to pay an amount as copay and the remaining sum would be paid by your insurance company. These policies have an annual maximum set for the services covered by it.

Health Maintenance Organization (HMO) plans

They are usually more affordable than most other dental plans you will come across. They don't have any deductible; you will only need to pay a pre-decided fee for various non-preventive dental procedures. The expenses for preventive dental services like routine exams and X-rays, cleanings, etc. will be 100% covered.

You will have to get yourself checked and treated by a dentist belonging to your dental plan's network. An HMO dental plan will not offer coverage if you visit a dentist who is not a part of the network. HMO networks are usually more local and smaller compared to the PPO networks.

They don't have any annual maximum set for the services covered by it. This means, you can undergo as many covered dental procedures as needed every year and still enjoy coverage.

Dental Indemnity plans

This is a traditional dental plan and allow you to see whichever dentist you want. These plans don't have any network of their own. To be covered by these plans, you will neither need to choose any primary care dentist nor you will require referrals for seeing a specialist or for undergoing emergency dental procedures. These plans typically come with a coinsurance and deductible.

Exclusive Provider Organization or EPO plans

These plans will allow you to decide whether you want to see a specialist or a general dentist. You will not be asked to choose any primary care dentist or seek referrals for seeing specialists. However, it would be mandatory for you to visit a dentist from the network for getting covered. These plans typically come with a coinsurance and deductible.

Average Cost of Private Dental Insurance

When reading dental insurance companies reviews, you'll find that on average, the residents of the United States need to pay around $360 every year for their dental insurance. The monthly expenses for these policies tend to range from $15 to $50 depending on the state you live in.

The majority of the plans you will come across will have a maximum coverage or annual benefit limit. The limit mostly ranges from $1,000 to $2,000.

Unlike regular medical insurance, which starts covering expenses only when your bills reach the deductible amount, your dental insurance will cut the coverage off after the bills attain the set annual limit. The remaining amount will have to be paid by you.

If you conduct a thorough search, you will come across dental insurance plans that will require you to pay just $8 every month. However, most plans will have a higher cost.

Getting a moderate coverage should be enough as statistics suggest that just 2-4% of Americans end up exhausting their maximum annual benefit every year. That's because coverage limits are usually exceeded when someone gets a dental crown or undergoes a root canal, both of which are rare procedures.

Dental Insurance FAQs

What should one consider when choosing a dental insurance plan?

The main factors you must consider when buying a dental insurance plan include your age, family history of dental problems, chronic conditions you have (whether you have a health problem that increases your chances of having dental issues), and you budget. You should look for a bigger cover if you have family history of dental problems and is more than 40 years old.

Why one should buy dental insurance?

Having dental coverage will allow you to get your gums and teeth checked regularly without worrying about expenses. This will prevent onset of more serious dental health disorders and diagnose the existing ones before they become serious. This means, having an insurance will help you in keeping dental costs low.

Can my dental insurance premium change?

The rates you are agreeing to initially are unlikely to change within the first 12 months of buying the plan. If the premium changes after that, your insurance company will notify you about the change at least 30 days before implementing it.

Can one purchase dental insurance if he or she doesn't have health insurance?

Yes. Dental coverage is a standalone coverage. There's no need of having any other type of health coverage for purchasing dental insurance.

Do dental insurance plans cover complex dental procedures?

Yes, dental plans offered by top insurance companies cover almost all major dental procedures. These include crowns, extractions, root canals, fillings, and more. You should read a plan well before finalizing it as the types and number of procedures covered vary significantly from one plan to another.

Here, you must note that while most plans will pay 100% for preventive procedures (this include routine exams and X-rays, cleanings, etc.), they will pay just a portion of the cost incurred for the more serious dental services.