How to Find the Best Dental Insurance Plans: The Complete Guide

Shawn Plummer

CEO, The Annuity Expert

Dental insurance worth is an important part of your overall health and well-being. It can help you pay for routine preventive dental care coverage, as well as more expensive procedures. However, finding the best dental benefit plans can be tricky. There are a lot of different options available, and it can be hard to know which one is right for you.

What Is Dental Insurance?

Dental insurance is a type of insurance specifically for dental care benefits. The insurance helps to cover the cost of procedures, such as cleanings, fluoride treatments, x-rays, root canals, and implants to maintain proper oral health.

Dental benefits can be purchased as an independent policy, or they can be added to an overall health insurance plan. health benefit plans require that customers choose from a list of preferred providers in a network, while others allow customers to visit any provider they choose.

How Does Dental Insurance Work?

There are two types of dental insurance: health maintenance organizations (DHMOs) and preferred provider organizations (DPPOs).

DHMOs typically have lower monthly premiums, but they also have smaller in-network dentists that they cover.

DPPOs, on the other hand, have higher monthly premiums but provide dental coverage for larger in-network dentists.

Insurance plans also typically have a deductible, which is the amount that the insured person must pay before the insurance company starts to pay for care.

For example, if your health plan has a $50 deductible, you will need to pay the first $50 of your dental care yourself. After you have met your deductible, the insurance plan will start to cover a portion of the remaining costs.

How Much Is Dental Insurance?

Dental insurance plans typically cost between $15 and $50 per month, with more comprehensive plans costing more. These costs can vary depending on things like your age, the type of work you require, and whether or not you are looking for preventative care versus major work such as implants.

How Do I Get Dental Insurance?

Some plans only cover basic procedures, while others offer more comprehensive health coverage that may include implants, orthodontics, and cosmetic treatments.

Additionally, you will need to look at factors like cost and the provider of nationwide network dentists when choosing the right oral health plan for your needs.

It is important that you shop plans and do your research beforehand in order to get the most benefits out of your plan. This might involve shopping around for a free quote from a number of different providers or asking your current dentist for recommendations on affordable plans that they have worked with in the past.

What are The Best Dental Insurance Plans?

Humana

Humana offers a variety of options that can meet your needs and budget. For example, their HMO plan provides dental coverage for preventive care, fillings, and teeth cleanings.

For those who need more comprehensive insurance, they offer a dental PPO plan that covers crowns, braces, and oral surgery. And for those who are looking for an affordable insurance option, Humana also offers a discount plan.

Shop Humana quotes now.

Cigna

Cigna is a well-known provider of dental insurance and overall health insurance options. For many years, Cigna dental insurance has been focused on providing its customers with the best possible care and coverage, whether they are seeking cleanings, oral surgery, or other preventive services.

Offering a wide range of plans to suit different needs and budgets, Cigna dental insurance is an excellent choice for anyone looking for dental insurance. If you are in need of basic and major services or more complex treatments, Cigna can help you to get the basic and major services that you need.

Principal

The Principal Financial Group is a dental insurance company that offers insurance for individuals and families. The company has a network of providers that offer personalized services at discounted rates, and it also offers a dental health plan that allows customers to save on dental care.

Aetna

Aetna is one of the largest dental insurance companies in the United States. They offer coverage to both individuals and businesses and have a network of over 200,000 dental providers nationwide.

Aetna dental plans cover preventive care, such as cleanings and checkups, as well as more major services like x-rays, fillings, and crowns. They also offer orthodontic coverage for both children and adults.

Metlife

MetLife is a leading provider of dental insurance, offering a wide range of plans that provide comprehensive coverage for both individuals and families.

MetLife also offers a variety of other insurance products, including life, disability, and long-term care insurance.

Physicians Mutual

Physicians Mutual is a dental insurance company that offers a variety of plans to meet the needs of its customers. Physicians Mutual offers both PPO and indemnity insurance plans.

PPO plans offer more flexibility in choosing a dentist but may require patients to pay more out-of-pocket costs.

Indemnity plans allow patients to choose any dentist but typically have higher premiums. Physicians Mutual also offers a variety of discounts on basic and major services, making it an affordable option.

Blue Cross

Blue Cross dental insurance is one of the most popular dental insurance providers in the United States. They offer a variety of personalized services that can be tailored to fit the needs of individuals, families, and businesses.

One of the things that set the Blue Cross apart from other dental insurance providers is its large network of dentists. They have over 80,000 participating dentist offices across the country, which means that policyholders can usually find a dentist near them.

In addition, Blue Cross offers a wide range of coverage options, including preventive care, basic services, and major dental work. As a result, policyholders can choose the level of coverage that best meets their needs.

Ameritas

Ameritas is a leading dental insurance provider, offering comprehensive coverage to individuals and families across the country. Their plans are designed to help people stay on top of their dental health, providing coverage for routine dental checkups, major dental procedures, x-rays, and more.

Additionally, Ameritas offers flexible payment options, giving customers the freedom to choose how best to pay for their care.

AARP

AARP has long been known as a leading provider of dental insurance services, providing coverage to millions of people across the country. Their dental plans are designed to them afford the dental care they need, with a wide range of options to meet different needs and budgets

With comprehensive benefits, easy online enrollment, and discounts at over 100,000 dental providers nationwide, it’s no wonder that so many Americans turn to AARP for dental insurance.

Costco

Costco dental plans offer comprehensive coverage at an affordable cost, making them an ideal choice for anyone looking to keep their teeth and gums in great shape.

With coverage that includes regular dental checkups and cleanings, as well as more specialized treatments like root canals and implants, Costco’s dental insurance really gives you the peace of mind that comes with knowing that you are taken care of.

Liberty Dental

Liberty Dental Plan is an insurance company that offers a wide range of dental services to its customers. Liberty Dental Plan offers both PPO and indemnity dental insurance plans, as well as discount dental plans. No matter what your needs are, Liberty Dental Plan has you covered with their wide selection of dental insurance plans

Liberty Dental offers affordable dental insurance plans that provide the coverage you need to maintain good oral health. With Liberty Dental, you’ll have access to a network of dentists who can provide preventive care, implants, and more.

Delta Dental

Delta Dental is one of the largest dental insurance providers in the United States, covering over 50 million people nationwide. They offer a variety of plans that are designed. to meet the needs of individuals, families, and businesses.

The plans offer comprehensive coverage for preventive care, basic services, and major services. Plus, with over 152,000 participating dentist offices in the network across the country, policyholders can usually find a dentist near them.

Can I Get Dental Insurance Through Medicaid?

Yes, you can get dental insurance through Medicaid. In fact, Medicaid is one of the largest providers of dental insurance in the United States. They offer a variety of dental plans that are designed to meet the needs of low-income families.

If you are interested in getting dental insurance through Medicaid, you can contact your state’s Medicaid office to learn more about the plans they offer and how to enroll.

Dental Insurance for Seniors

If you are a senior citizen, you may be wondering if there are any dental insurance options available to you. The good news is that there are a number of dental insurance plans that are specifically designed for seniors.

Medicare is a federal health insurance program that provides coverage for seniors. Medicare does not cover routine dental care, but it will cover dental care that is necessary to treat a medical condition.

Another option for seniors is dental insurance through the Veterans Administration. The VA provides dental insurance to eligible veterans, which can cover a wide range of services.

Choosing A Dental Plan Under The Affordable Care Act

If you are looking for dental insurance under the Affordable Care Act, there are a few things you need to keep in mind.

First, all plans offered through the Marketplace must cover a set of essential health benefits, which includes dental care.

Second, you can choose from two different types of plans: a Dental Health Maintenance Organization (DHMO) or a fee-for-service plan (FFS).

With a DHMO, you will have to select a primary care dentist from the plan’s network.

With an FFS plan, you can see any dentist that accepts the plan.

What Questions Do You Need to Ask to Find the Right Plan For Me?

There are a few key questions you should ask when you’re shopping for dental insurance:

  • What is the monthly premium?
  • What is the annual deductible?
  • How much does the plan pay for preventive care, basic restorative services, and major dental work?
  • Is there a network of dentists that I can choose from?
  • What is the process for filing a claim?

By asking these questions, you’ll be able to narrow down your options and find the dental insurance plan that’s right for you.

Where Can I Find Dental Insurance With No Waiting Period?

One of the most common avenues is to work directly with a dental provider, as many clinics and providers offer dental plans that do not require any waiting periods.

Additionally, you can also shop for dental plans at independent dental insurance companies, many of which offer affordable dental plans that include no waiting periods.

Finally, if you have insurance through your employer or through another provider in the network, it’s worth checking in to see what additional dental coverage options may be available.

Where Can I Find Dental Insurance That Covers Implants?

When it comes to implants, having the right insurance can be invaluable. Implants are a relatively new dental procedure, and many insurance providers do not cover them yet. If you are looking for implants and need to find dental insurance that covers them, there are a few key steps that you can take.

The first step is to do some research online to see what dental insurance options are available in a dentist’s office in your area. Many dental insurance providers offer a range of plans with different coverage levels, so it can be helpful to look at several options and compare the different plans available.

The next step is to contact individual dental insurance providers directly and ask for complete details about implants. This will let you know exactly what kind of coverage you can expect if you choose to work with a particular provider, as well as any additional dental care costs or restrictions that may apply.

What to Know Before Getting Dental Implants

Before you get dental implants, it’s important to be aware of the potential risks and complications that can occur. While implants are generally safe, there is always a risk of infection or implant failure.

It’s also important to have realistic expectations about what implants can do for you. Implants can provide a great solution for missing teeth, but they will not necessarily look or feel exactly like your natural teeth.

Can I Combine Dental And Vision Insurance?

While dental and vision insurance are both types of major services that help to cover the dental care cost of dental and vision care, respectively, they are not typically combined into one plan. This is because dental and vision insurance are typically provided by different insurers.

What Are Some Tips For Saving Money On Dental Insurance?

There are a few key ways that you can save money on dental insurance. One way is to make sure that you understand your coverage and what it does and does not cover. Many people choose dental insurance plans without fully understanding the coverage, which can lead to them paying for services that are not actually covered.

Another way to save on dental insurance is to choose a plan with a high deductible. This means that you will have to pay more out-of-pocket costs for services, but it can also lead to lower monthly premiums.

In-network providers have agreed to provide services at a discounted rate, so you can save money on your dental care by using these network providers.

Conclusion

If you’re in need of dental care and are looking for a way to cover the costs, dental insurance may be a good option for you. A dental benefit plan can be purchased as an independent policy or added to an existing health insurance plan. Contact us today for a quote on dental insurance and see how much money you could save on your next visit to the dentist!

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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