Top Dental Insurance Coverage: What You Need to Know
Compare the top dental insurance coverage providers near you to make the most informed choice when it comes to your teeth. We found that Cigna is the best dental insurance company overall, but seniors may get cheaper rates with Physicians Mutual. If you need orthodontics, Delta Dental offers an affordable add-on.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right coverage choices.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Many types of dental insurance are available, including group plans, individual plans, and government-backed programs
- Coverage varies by plan and can include preventive care (like checkups and cleanings), major services (like crowns or bridges), and orthodontia
- Most dental plans have an annual maximum benefit amount, which is the most it will pay for covered services in a year
Dental insurance is not considered health insurance under the Affordable Care Act, but dental coverage is an important part of many people’s health care plans. It can help reduce out-of-pocket costs for routine dental care, such as checkups and cleanings, as well as more extensive procedures like fillings and crowns.
In general, dental insurance plans provide some form of coverage for most basic dental care needs. Whether you’ve secured a new policy or want to explore more options, the first step is understanding how dental insurance coverage works.
What is the best dental insurance? This guide will break down some of the top dental insurance coverage options so you can make informed decisions about your dental healthcare needs.
Top Dental Insurance Coverages Explained
Dental insurance coverage is a type of health care plan designed to help you pay for your dental needs. It provides financial protection against the costs associated with major and minor dental treatments, such as checkups, cleanings, fillings, crowns, bridges, and root canals.
Dental insurance policies vary in terms of scope and coverage but generally provide some level of reimbursement for services provided by a dentist or other qualified professional.
Depending on the provider you choose and the type of policy you hold, your dental insurance coverage may include:
- Preventive (checkups, cleanings)
- Basic restorative (fillings) procedures
- Major restorative (crowns, bridges) procedures
In addition, some policies may also cover emergency and endodontic services.
The coverage available through your dental insurance plan will depend on a variety of factors, including the type of policy you hold and the level of benefits offered by your provider.
Generally speaking, most plans focus more heavily on preventive care than restorative care, meaning that checkups and cleanings are likely to have higher levels of coverage than crowns or bridges.
Additionally, orthodontic services are often excluded from basic plans but may be added as an option for an additional cost.
It’s important to understand what is covered under your particular policy as well as any limitations or exclusions before making decisions about your treatment options. By understanding how your dental insurance coverage works, you can better plan for and manage your dental healthcare needs.
The best way to get a clear picture of what is included in your policy is to contact your insurance provider directly or speak with a dentist who can help you explore the details of the coverage.
This information will help ensure that you are making informed decisions about the best life and health insurance dental and the proper use of dental insurance.
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Why You Need Dental Insurance
Dental insurance coverage is important to have for many reasons. It can help cover the cost of procedures that may be necessary but not covered by your basic health insurance policy, such as fillings, root canals, crowns, and bridges.
With dental insurance, you have the assurance of knowing that some or all of the costs associated with these treatments will be taken care of.
Additionally, having dental insurance helps to ensure that you are getting regular preventive care like checkups and cleanings.
Preventive services are often covered at 100%, so they won’t cost you anything out-of-pocket. Regular checkups and cleanings are essential for maintaining good oral health and catching problems early on before they become more serious down the road.
Dental insurance also helps to protect your finances by covering a portion of more expensive treatments like crowns and root canals, which can be costly without insurance coverage. In addition, some plans may offer discounts on additional procedures such as orthodontics or cosmetic dentistry.
Finally, having dental insurance gives you peace of mind knowing that if an unexpected problem arises with your teeth or mouth, you aren’t alone and have financial protection in place should an emergency arise.
Overall, having dental insurance coverage is beneficial for both your oral health and your finances. It can help cover the costs associated with necessary treatments while also helping to ensure that you are taking proper preventive measures to maintain good oral health.
By taking the time to understand what is covered under your policy and how to best use it, you can make smart decisions about your dental care while also protecting both your teeth and your wallet.
Compare Top Dental Insurance Coverage by Company
If you’re in the market for exceptional dental insurance coverage, here are some of the best dental plans:
- Best Overall: Cigna
- Runner-Up: Renaissance Dental
- Best for No Waiting Periods: Spirit Dental
- Best Value: Humana Dental Insurance
- Best for Families: UnitedHealthOne Dental Insurance
- Best for Seniors: Physicians Mutual
- Best for Orthodontics: Delta Dental
Keep reading to compare the top dental insurance coverage options from these companies.
Read more:
- Humana dental Insurance Company Review
- Delta Dental Insurance Company Review
- American Association of Orthodontists Insurance Company (Arrg) Review
- Physicians Mutual Insurance Company Review
Top Dental Insurance Coverage Overall: Cigna
Cigna is one of the top dental insurance companies. It offers comprehensive plans that cover a wide range of services and even provides access to discounts on certain treatments.
With Cigna, you can get coverage for preventive care, some restorative procedures, major services, and orthodontia. And its network of providers is large enough that you’ll have plenty of choices when it comes to finding a dentist.
What really sets Cigna apart is its commitment to customer service. The company has some of the best customer representatives in the industry and provides 24/7 access to their services. Its online tools are also top-notch, making it easy for you to manage your account and keep track of all your dental bills in one place.
Plus, it offers flexible coverage options that can be tailored to fit your unique needs. With these features combined, Cigna is a great choice for anyone looking for reliable and comprehensive dental insurance coverage.
Cigna also offers health insurance plans. Compare Cigna vs. Aetna health insurance here.
Top Dental Insurance Runner-Up: Renaissance Dental
Renaissance Dental is another excellent option if you’re looking for quality dental insurance coverage.
Its plans are affordable and provide great value with no waiting period, meaning you can start using your plan right away after signing up. Furthermore, Renaissance Dental’s network of providers is large enough that you’ll have plenty of choices when it comes to finding a dentist.
Top Dental Insurance for No Waiting Periods: Spirit Dental
If you need access to dental care quickly, consider Spirit Dental. It offers plans with no waiting period, so you can start using your coverage the day you enroll. And its affordable premiums make them an attractive choice for those on a budget.
With Spirit Dental, you’ll get coverage for preventive care and some restorative procedures, as well as discounts on certain treatments.
Having a plan with no waiting period is important because it enables you to get the dental care you need when you need it. It’s especially beneficial for those with ongoing dental problems, such as cavities or gum disease, that require immediate attention.
Without a plan with no waiting period, your treatment would have to be delayed until coverage kicks in, which could cause you to suffer from additional pain and discomfort. That’s why it’s so important to find a plan with no waiting period if you’re looking for comprehensive and reliable coverage.
Top Dental Insurance Coverage for Value: Humana Dental Insurance
Humana Dental Insurance also offers comprehensive coverage, including preventive care, restorative services, and even treatment discounts.
Plus, its network of providers is large enough, giving you more choices when it comes to selecting the right dental provider for your needs. It also ensures that you’ll have access to top-notch services and treatments by experienced dentists who are knowledgeable about the latest advancements in oral healthcare.
Furthermore, having multiple options can help you compare prices, allowing you to find a plan that fits both your budget and your needs.
Top Dental Insurance Coverage for Families: UnitedHealthOne Dental Insurance
UnitedHealthOne Dental Insurance offers great value for families looking for quality dental care coverage. Health plans are affordably priced, and it provides access to a large network of providers that can make finding a dentist close to home much easier.
UnitedHealthOne also offers coverage for preventive care, some restorative procedures, and discounts on certain treatments as well.
Top Dental Insurance Coverage for Seniors: Physicians Mutual
Seniors are at an increased risk for oral health issues due to the natural aging process, so it’s important that they have access to quality dental care.
Physicians Mutual offers a variety of plans tailored specifically for seniors, providing coverage for preventive and some restorative procedures, so it is one of the best dental insurance for seniors on Medicare. Its network of providers is large enough that you’ll have plenty of choices when it comes to finding a dentist close to home. Plus, premiums are affordable, making the company an attractive choice for those on a budget.
When selecting a plan, seniors should consider factors such as price, coverage options, and provider networks in order to find dental insurance that meets their needs and budget.
Top Dental Insurance for Orthodontics: Delta Dental
Orthodontics can be expensive, so having coverage helps to reduce the cost of braces or other corrective procedures.
Delta Dental offers orthodontic coverage as an add-on to its larger plans, so you can get the care you need without breaking the bank. With Delta’s large network of providers, you can be sure that your treatment will be in experienced and capable hands.
Compare the Different Types of Dental Insurance
Not all dental insurance coverage options are the same. Here are the main types of dental coverage options available.
Dental Preferred Provider Organization (DPPO)
A DPPO plan is a type of dental insurance in which members are required to use dentists that have been contracted with the insurer.
These dentists typically provide services at reduced rates and usually offer more flexibility with coverage options than other types of dental insurance. While these plans may not cover all procedures, they generally offer more comprehensive coverage than fee-for-service or indemnity plans.
Dental Health Maintenance Organization (DHMO)
DHMOs are similar to HMOs in that members must choose one primary care dentist and receive treatment from only that dentist. Coverage is often extensive, with most preventive treatments covered at 100%. Members typically pay an annual fee and a set copayment for each office visit.
Fee-For-Service Plans
Fee-for-service plans are the most traditional type of dental insurance. Members typically pay an annual premium, which covers preventive services such as exams, cleanings, and x-rays at 100%.
However, members must pay the full cost of other treatments out of pocket until they meet their deductible. After that, the plan will cover a percentage of all additional treatments up to an annual maximum benefit amount.
Indemnity Plans
Indemnity plans are also referred to as “traditional” or “major medical” dental insurance. These plans allow members to visit any dentist they choose and offer more flexibility than other types of insurance.
However, the downside is that members must pay upfront costs and then submit a claim to the insurer for reimbursement. The amount covered by the plan varies depending on the procedure and type of dentist used.
No matter which type of dental insurance you choose, understanding its coverage options can help you make an informed decision about your oral health care needs.
Doing research on different plans can also save you money in the long run. Knowing what’s covered and how much out-of-pocket expense you may incur will help you choose an insurance plan that fits your budget while still providing adequate care for yourself and your family.
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How to Choose a Dental Insurance Plan
Choosing the right dental insurance plan can seem complicated, but with a little research and knowledge, it doesn’t have to be.
First, consider your budget and find out whether you will need to pay an annual premium or if coverage is included in your employer-sponsored plan.
Next, evaluate what type of services are covered by each insurer and compare them to your needs. Finally, check for any provider networks that may give you access to discounted rates.
You should also take the time to read through the plan documents and make sure that you understand the benefits, limitations, and exclusions associated with each policy before making a decision.
Once you’ve done all this research, you’ll be able to make an informed decision about the dental insurance plan that best fits your needs and budget. With a little effort, you can find a plan that will help you get the care you need without breaking the bank.
By choosing Delta Dental, you’ll be able to take advantage of our large network of providers and comprehensive coverage options. Plus, with our online tools and resources, it’s easy to manage your benefits and stay on top of all your oral health care needs.
Top Dental Insurance Coverage: The Bottom Line
When it comes to dental insurance, there are many options available for the best dental insurance plans for individuals and families. Depending on your needs and budget, you can choose a plan that covers preventive services like regular checkups and cleanings or more comprehensive plans, which may include coverage for major procedures such as root canals.
No matter what your situation is, it’s important to understand the different types of coverage available so you can find the best insurance for dental for you and your family.
The bottom line when getting the top dental insurance coverage near you is to find one that works with your budget while still providing coverage for the most essential treatments. Doing research ahead of time will help ensure that you get the right plan at an affordable price.
Frequently Asked Questions
What is dental insurance coverage?
Dental insurance coverage is a type of health care plan that helps you pay for your dental needs, including routine checkups, cleanings, fillings, crowns, bridges, and root canals.
Why is it important to have dental insurance coverage?
Dental insurance coverage is important because it helps cover the cost of necessary dental procedures that may not be covered by basic health insurance. It also ensures regular preventive care, protects your finances from expensive treatments, and provides peace of mind in case of emergencies.
What percentage does dental insurance cover?
Most dental insurance policies cover 100-80-50, meaning all preventative services are covered, while 80% of basic care and only 50% of major care are covered.
What are the different types of dental insurance?
The main types of dental insurance are Dental Preferred Provider Organization (DPPO) plans, Dental Health Maintenance Organization (DHMO) plans, Fee-For-Service plans, and Indemnity plans. Each type has its own coverage options and requirements.
How do I choose a dental insurance plan?
When choosing a dental insurance plan, consider your budget, the type of services covered, provider networks, and read through the plan documents to understand the benefits, limitations, and exclusions. Compare different plans to find one that suits your needs and budget.
Which type of dental plan is most common?
DPPO plans are the most affordable and most common.
What are some of the best dental insurance companies?
Some of the best dental insurance companies include Cigna, Renaissance Dental, Spirit Dental, Humana Dental Insurance, UnitedHealthOne Dental Insurance, Physicians Mutual, and Delta Dental. Each company offers different coverage options and benefits.
What is the highest annual maximum on dental insurance coverage?
Most dental insurance plans provide up to $1,000-$2,000 in annual coverage.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.