Taking care of your teeth is crucial, but dental visits can be pricey. From regular check-ups to more serious treatments, the bills can pile up, especially if you’re covering it all on your own. The fix is easy: enroll in one of the best dental insurance companies that provides the coverage you require at a cost you can manage.
In this article, we have outlined some of the most popular and best dental insurance companies to make use of this year. Hence, read through this article to discover the right insurance company for you.
What is Dental Insurance?
Dental insurance is like a helper for your teeth. It pays for things like dentist visits. You might have to pay a little bit each month (called a premium) and some money before your insurance starts helping (called a deductible). When you visit the dentist, you might need to pay a small part of the cost too (called a copayment).
This dental insurance is different from regular health insurance. Sometimes, if you get health insurance from your job, they might also give you dental insurance.
If not, you can buy it from a special dental insurance company. Sometimes, you have to wait a bit before your insurance starts working, and they might not help if your teeth already had problems before.
The insurance company talks with the dentist and agrees on how much things should cost. This helps keep your money spent at the dentist lower.
Also, the insurance company has a limit on how much they will pay in a year. It’s like a cap on a bottle. Once they reach that limit, you might have to pay for the rest.
Best Dental Insurance Companies
Having dental insurance can be the deciding factor in keeping your teeth healthy or delaying important oral care. Picking the right plan can help you keep your smile shining for a longer time.
Keep in mind that the best dental insurance for you may depend on your specific needs, location, and budget. It’s advisable to check for the most recent reviews, ratings, and plans available in your area.
Start by checking out our recommendations for some of the best dental insurance companies available.
Delta Dental stands out by directing patients to a wide range of 39 independent companies that specialize in dental insurance. It has earned its popularity in the U.S. due to its expansive network of coverage at various price points.
This company caters to individuals, families, small businesses, and retirees. It offers plans that encompass a wide range of dental care needs, from routine cleanings to fillings and braces.
It’s one of the best dental insurance providers. Delta Dental offers an array of dental plans to accommodate different needs and budgets. They provide comprehensive coverage for preventive care such as cleanings and check-ups, as well as more involved procedures like fillings and root canals.
Guardian Direct Dental is part of Guardian Life Insurance of America, offering various insurance options. You can easily sign up for their plan on their website without needing a broker.
They cover everything from basic services to oral surgery, using a three-tier PPO system for their base coverage. Guardian Direct provides different dental plans to fit various needs and budgets, which makes it one of the best dental insurance companies.
They cover preventive services like cleanings and exams, as well as more extensive treatments such as fillings and crowns. Known for their great customer service, Guardian Direct is committed to helping you keep a healthy smile.
Humana, like many other recommended providers, provides a user-friendly online tool for quickly and easily obtaining a dental insurance quote. Additionally, Humana allows you to specify if you need to add a dependent or have a veteran in your immediate family.
Their dental insurance plans cater to both individuals and families. Humana offers PPO plans and a dental savings plan, both of which stand out for having no waiting periods.
These plans encompass a broad range of coverage, spanning from routine dental cleanings and x-rays to more extensive services like dentures and orthodontics. Humana aims to provide comprehensive dental insurance options to meet various needs.
Cigna has access to a large network of dentists, so you can find one that’s convenient for you. They offer a wide range of dental plans to fit different needs and budgets.
Cigna covers a variety of dental services, including preventive care, fillings, and even orthodontics. Cigna is known for their excellent customer service and their commitment to helping you maintain good oral health.
United Health care Dental
UnitedHealthcare offers dental insurance through Golden Rule Insurance Company, providing a user-friendly online platform for obtaining quotes and enrolling.
The coverage from UnitedHealthcare spans various age groups, with different premiums and deductible levels tailored to each age range.
For instance, there are plans designed for children that include coverage for orthodontic services. This coverage includes braces, while others cater to older generations with coverage for dentures.
MetLife provides a distinctive Advantage Plus dental plan that focuses solely on covering diagnostic and preventative services. If you’re contemplating whether dental insurance is essential for you, this plan serves as a valuable alternative. It ensures you can still receive preventative care, addressing concerns about potential significant oral complications in the future.
Spirit Dental & Vision
Spirit Dental & Vision provides dental insurance through Ameritas, simplifying the enrollment process for a more straightforward experience. They present a couple of distinct choices that impact your coverage.
Spirit offers network and choice plans. The network plan offers more savings, while the choice plan allows visits to any dentist of your preference.
Both plans encompass preventive coverage, implants, and major services. Additionally, they include the notable feature of three cleanings per year, enhancing the overall value of the coverage.
Ameritas, a well-established player in the insurance provider domain, possesses a smaller market share at 0.09% yet maintains robust financial stability. Despite their competitive standing, the downside lies in the less user-friendly nature of the Ameritas website.
Due to its extensive network of providers and plethora of plans, obtaining a quote through the website is not a straightforward process. In addition to catering to individuals and families, Ameritas recommends plans based on the frequency of dental visits.
Aetna boasts over 50 years of experience in providing dental benefits, catering to nearly 13 million dental members. One notable feature is Aetna’s extensive provider network, which surpasses 120,000 practitioners, offering a wide array of choices.
Aetna’s dental plans are accessible in most states, and they provide convenient online account management. This platform allows members to obtain cost estimates, locate in-network dentists, and review claims and statements.
For older ones, Aetna offers two coverage tiers: the Preferred PPO and the Core PPO plan, with a $50 deductible per person or a $150 deductible for a family annually.
Renaissance Dental was founded in 1957. It is a comprehensive insurance provider covering over 13 million individuals for dental, vision, life, and disability insurance.
In addition, Renaissance’s basic plans may exclude major dental work such as root canals or crowns, but they introduce a unique loyalty program.
Remaining insured with Renaissance results in a yearly coverage increase for major dental work, offering up to 50% coverage for such procedures starting in the third year of coverage.
Before choosing a dental insurance provider, carefully review the plans, coverage details, network of dentists, and any limitations or exclusions. Additionally, consider reading customer reviews and consulting with your dentist to ensure that the plan meets your specific dental health needs.