Even though the best dental insurance providers typically share some characteristics, it might be challenging to decide which one to pick. Consider coverage, pricing, provider network sizes, waiting periods, and convenience of access while looking for a dental plan that suits your needs.
The best dental insurance companies have been compiled by to help you focus your search.
Why Choose The Best Dental Insurance Plan
The first thing you should know if you’re considering whether or not you need a dental insurance plan is that the majority of dental services are not covered by medical insurance. You may experience oral or dental problems at any time, whether as a result of poor oral hygiene, illness, or an accident.
You can receive coverage from dental insurance that can help you save money and maintain your oral health. You’ll be required to pay the fees that dentists have consented to accept in exchange for treating HMSA members.
Therefore, dental insurance should be a component of your financial planning, whether you have coverage through your employer or you buy a plan on your own.
Here are reasons why you should choose the best dental insurance plan:
Benefits from prevention guarantee that issues are discovered quickly
It’s important to have regular dental cleanings and exams to spot problems before they become serious and expensive to fix. In the future, you can have to pay a lot of money for a root canal if tooth disease is left undiagnosed and untreated. Preventive checkups are typically covered by dental insurance at little to no extra expense.
You are shielded from financial risk
Even with the best preventive care, serious dental health problems can occasionally occur. You have risk protection for your home, automobile, and health, don’t forget about your mouth.
Members of the plan are eligible for the lowest rates
Dentists have an agreement to treat you at a predetermined cost. Thus, your out-of-pocket expense is lower than if you walked into the clinic for treatment.
Your general health may be impacted by your oral health
Researchers are still finding connections between oral and general health. When oral health issues persist, dangerous germs can enter the circulation and worsen diseases including diabetes and heart disease.
Best Dental Insurance Companies
The Best Dental Insurance Companies are:
- Cigna
- Renaissance Dental
- Spirit Dental
- Humana Dental Insurance
- UnitedHealthOne Dental Insurance
- Physicians Mutual
- Delta Dental
- Anthem Blue Cross Blue Shield
- Metlife Dental
- Aetna
#1. Cigna
Cigna is globally recognized as one of the best dental insurance companies available. The global health services provider Cigna has received high honors for its financial stability, earning an A rating from AM Best and Standard & Poors.
Cigna dental insurance plans operate within a network of more than 92,000 dentists around the country, and they provide phone service around-the-clock, 365 days a year. For preventative treatment with in-network dentists, Cigna’s dental insurance for individuals has no copays or deductibles.
Consumers of all ages can purchase dental Preferred Provider Organization (DPPO) plans from Cigna, and pricing is offered on a per-person, per-month basis. Customers can also select the level of treatment they require from Cigna, with certain plans including orthodontic and restorative care at a premium cost.
Check out other Health Insurance offers available
#2. Renaissance Dental
Dentists who are in-network with Renaissance Dental and use this insurance will submit paperwork and claims on your behalf. Renaissance Dental works with a network of 300,000 dental offices nationwide.
This company features numerous different plans for people and families that offer various levels of coverage and inclusions to match clients’ needs, and it is well known for the quality of its customer service.
Given that Renaissance Dental has an A+ rating from AM Best, you can have faith in its ability to meet its obligations. It also makes it simple to acquire a free estimate online, regardless of where you live, making it easy to shop around and compare plans.
Some waiting periods apply for restorative care and significant services, and not all Renaissance Dental plans fully cover preventive care. All Renaissance Dental insurance plans have a $1,000 annual maximum benefit cap. For individuals and families, the deductible for each plan is $50.
#3. Spirit Dental
Dental insurance plans from Spirit Dental come with no waiting periods and yearly maximum benefit amounts that rise after a few years of coverage. Everyone will be accepted, and you can even get coverage for expensive items like dental implants.
Spirit Dental is provided by Ameritas Life Insurance Corp., which has received an A rating from AM Best and an A rating from Standard & Poor’s for financial stability Spirit works with one of the largest dentist networks in the world thanks to its collaboration with Ameritas. Currently, 428,000 access points around the country offer 111,500 dental providers for your consideration.
Spirit Dental has no waiting periods and a one-time $100 deductible as opposed to the annual deductibles most insurance companies impose. It offers a variety of individual dental insurance plans that include preventative care, three annual cleanings, kids’ orthodontics, no waiting periods, and a $5,000 annual maximum reward after three years of service.
Spirit offers Choice plans, which allow policyholders to choose any dentist, in addition to its Network plans, which offer coverage within the network. Depending on where you live, there may be a difference in the cost of your insurance.
#4. Humana Dental Insurance
There are more than 335,000 dentists to choose from across the country, but you should be aware that depending on where you reside, plans, coverage amounts, and other details for each policy might vary significantly. Despite these variations, Humana stands out for its value pricing and provision for 100% coverage of preventive care.
Humana offers a variety of dental insurance plans, some of which have lifetime deductibles that are typical $50 for people and $150 for families, while others have annual deductibles. Depending on the policy you select, the maximum payout amounts for this coverage can range from $1,000 to infinity.
There may also be waiting periods, with a six-month minimum for basic care and a maximum of 12 months for important procedures.
#5. UnitedHealthOne Dental Insurance
The dental insurance plans provided by UnitedHealthOne have no age restrictions and cover preventive care with no deductibles or waiting periods. It is a component of the Fortune 500 firm UnitedHealth Group.
The Golden Rule Insurance Company, a division of UnitedHealth Group, may underwrite policies. AM Best has given the organization a financial strength rating of A.
Depending on where you live, UnitedHealthOne’s dental insurance plans can differ significantly in terms of coverage amounts and other specifics. Though there is no medical underwriting required, this firm does make it simple to acquire a free estimate online.
Some plans from UnitedHealthOne require a waiting period of four months or longer for basic care and major services, although details can vary based on where you live.
Some higher-tiered plans offer orthodontic coverage, although lower-tier plans may not cover major services like braces, crowns, and bridgework. Annual maximum benefits for some plans can be as low as $1,000.
#6. Physicians Mutual
Since Physicians Mutual dental insurance has an A rating from AM Best, its financial stability may be relied upon.
Additionally, this supplier offers plans that can be especially beneficial for seniors because they cover up to 350 procedures, such as crowns and dentures.
Physicians Mutual dental insurance has no deductibles, and it immediately begins to pay for preventive services like cleanings. Basic dental procedures like fillings and extractions are subject to a three-month waiting time, whereas significant procedures like crowns and root canals are subject to a 12-month waiting period.
No annual or lifetime benefit caps apply to Physicians Mutual insurance, and you can select your dentist from a network of more than 500,000 specialists.
Three fundamental dental insurance policies are available from Physicians Mutual. These consist of:
- Starting at $30.10 a month is the Economy Plus plan.
- Starting at $37.80 per month is the Standard Plus package.
- The price for the Preferred Plus plan is $46.75 per month.
According to the plan you choose, you will receive reimbursement for major services, preventive care, and basic care with each of these alternatives. Preferred Plus plans reimburse at the greatest rate, while Economy Plus plans reimburse at a lower rate.
#7. Delta Dental
Delta Dental is listed among the best dental insurance companies because of its global reputation.
With more than 152,000 dentists in its networks, Delta Dental is a member of one of the biggest dental provider networks in the country. Additionally, Delta Dental has an A rating from AM Best, which attests to the organization’s stability financially.
Although specifics of the plans vary from state to state, Delta Dental offers a variety of insurance plans, some of which include options that cover orthodontic treatment. For instance, orthodontics is 50% covered for both adults and children under its unique PPO plans. There is a $1,500 yearly cap for care and a $50 deductible.
All fundamental and major services, such as root canals, implants, and crowns, are covered at 50%. Preventive care, such as cleanings and X-rays, is covered at 100%.
#8. Anthem Blue Cross Blue Shield
An important insurance company in the United States, Anthem Insurance Company provides insurance coverage to 42 million individuals in 14 states. There are various dental insurance options available, and members have access to beneficial materials and technological equipment that can be highly practical.
The size of the Anthem firm is a significant factor in how it differs from other insurance companies. The business, which is a member of the larger Blue Cross Blue Shield Association, has one of the biggest dental insurance plans in the nation. Anthem’s insurance does have some downsides, such as non-customizable plans and regional restrictions on availability.
#9. Metlife Dental
There are thousands of dentists in the MetLife dental insurance plan. The majority of cleanings and exams are fully covered by an in-network insurance plan. You have the option to choose between an in-network and out-of-network insurance plan through Metlife, but you will save the most money by sticking with the network.
In addition, you might be eligible for reduced costs from MetLife’s in-network partnerships as a member. Also, you will pay less out-of-pocket for dental care because of these negotiated fees, which are typically 30 to 45 percent less than the industry standard.
#10. Aetna
One of the most well-known insurance companies in the US is Aetna, which has a sizable provider network of 241,000. Aetna is a reliable dental insurance company with a wide range of alternatives. Benefits like coverage for dentures after a waiting period and affordable monthly rates for singles, families, and seniors.
Your state of residency and current health condition affect the premiums. The lowest premiums often range between $25 and $31, while more expensive policies typically cost between $33 and $47. For those who qualify, Aetna dental insurance is a terrific value because those are some of the most affordable prices available.
Although there is very little availability, those that can obtain Aetna should carefully examine their policies. It’s a terrific method to save money and preserve dental health because of the affordable rates and superb coverage provided by a large network of reputable dentists.
Aetna offers seniors extensive coverage for new dentures and replacements as well as up to 80% reimbursement for denture repairs.
Check out Acron Insurance offers
Best Dental Insurance For Seniors On Medicare
- United Healthcare
- Kaiser Permanente
- Humana
- Aetna
- WellCare
- Cigna
United Healthcare
Our top recommendation for dental insurance for Medicare-eligible seniors is United Healthcare. With a wide network and adjustable premiums, it provides Medicare Advantage plans.
Pros
- Access to a wide network and AARP advantages
- Simple user interface Drawbacks
Cons
- Depending on your region, there are few plan possibilities
- Dental coverage isn’t offered by all Advantage plans.
Kaiser Permanente
Because of Kaiser Permanente’s top-notch customer service, we selected it for seniors on medicare. J.D. Power awards Kaiser with the highest ratings for customer satisfaction.
Pros
- High levels of consumer satisfaction
- Available coverage at any Kaiser Permanente location
- Adjustable premiums
Cons
- Available only in 8 states
- The cost of some dental insurance can vary.
- Some plans combine dental insurance with hearing and vision benefits.
Humana
A wide range of useful online resources is provided by Humana for medicare advantage plan members. our top recommendation for a dental plan with comprehensive online tools is Humana. users may list prescriptions, view claims, and even get rewards for doing healthy things thanks to their convenient mobile app.
Pros
- A wide range of beneficial web tools
- Fitness program for Silver Sneakers
Cons
- Using a website might be tricky.
- Not all plans include dental insurance.
Aetna
Aetna provides home delivery of the majority of prescription medications through cvs caremark, their mail-order pharmacy, with many of their medicare advantage plans. with several of its medicare advantage plans, aetna furthermore provides a concierge program.
Our top pick for national coverage is aetna, which offers policies in all 50 states. over 1.2 million medical professionals from all over the nation are included in the insurer’s provider network.
Pros
- Accessible across all 50 states
- Large network of providers
- Prescription medication delivered home
Cons
- Not all plans are available in every area.
- Not all plans include dental insurance.
Wellcare
Over-the-counter (OTC) coverage and access to a personal emergency response system are features included with some WellCare Medicare Advantage Plans. The OTC benefit is a set dollar amount for over-the-counter drugs and wellness products that can be delivered to you directly.
For those who live alone or are frequently left alone, a personal emergency response system that is connected to your phone enables you to quickly summon assistance in an emergency.
Pros
- Over-the-counter protection
- Possibility of using a personal emergency response system
- The website that is simple to use
Cons
- Available only in 36 states
- Not as well-known as some other suppliers
Cigna
Cigna is a fantastic option if you require specific dental treatment as a senior on Medicare. For clients that require them, they offer special needs programs and a wider choice of services.
Pros
- Available special needs plans
- Regular health evaluations
- Expanded selection of services
Cons
- Some plans exclude coverage for prescription drugs.
Best Dental Insurance Plans For Individuals
Here are the best dental insurance plans for individuals, companies, and plans.
- Delta Dental – Dental for Everyone Gold PPO
- Humana – Bright Plus PPO Renaissance Dental- Plan II PPO
- Guardian Direct – Advantage Diamond PPO
- Nationwide – Select Plus 1500 + VSP Standard
- Renaissance – MAX Choice Plus PPO
- Careington – 500 Series Dental Savings Discount Card
Best Dental Insurance For Implants
- Delta Dental Insurance
- Denali Dental
- Spirit Dental & Vision
- Ameritas
- Cigna Dental
Best Dental Insurance Florida
- Delta Dental Insurance Company
- Argus
- Renaissance Dental
- Golden Rule Insurance Company
- Nationwide Life Insurance Company
- Humana
- Independence American Insurance Company
- Starmount
Conclusion
In terms of dental insurance providers, there are numerous choices. Preventive care is fully covered by some insurance policies from businesses like Renaissance Dental and Delta Dental, while plans with no waiting periods are available from Spirit Dental. However, in general, Cigna is the top provider of dental insurance.
All of Cigna’s dental insurance plans include preventative treatment with no deductibles or copays, and they are accessible nationally from a large network of more than 92,000 dentists. Additionally, customers with Cigna can select a level of treatment based on what they actually require; certain plans, for a premium, including orthodontic and restorative care.
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References
- https://www.hmsadental.com – why choose the best dental insurance plan
- https://www.investopedia.com – best dental insurance companies
- https://www.investopedia.com – best dental insurance for seniors on medicare
- https://www.dentaly.org – best dental insurance plan for individuals
- https://www.investopedia.com – best dental insurance for implants
- https://www.ehealthinsurance.com – best dental insurance Florida
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