Scheduling a regular visit to your dentist is essential to maintaining a beautiful, radiant, and healthy smile. All these are available at your fingertips, and with a dental insurance plan, you can avoid paying hundreds or even thousands of dollars for overly expensive plans.
Surprisingly, getting dental insurance isn’t as expensive as health insurance, but its importance cannot be underestimated for your health and well-being. So we examined average expenses, waiting periods, coverages, and reimbursement levels to discover the best dental insurance companies.
Dental Insurance Companies
Dental insurance programs enable a lot of individuals to successfully plan and provide funds for the cost of keeping that beautiful smile. When it comes to dental insurance policies, you can easily grasp how they work as compared to medical insurance.
Most dental insurance policies are straightforward and specific about which operations are covered and how much you must pay upfront. Dental insurance policies are accessible as part of medical insurance programs, or they can even be an independent policy.
A Large number of dental insurance programs have waiting periods between 6 and 12 months before any standard procedure can be performed. Waiting periods for important procedures are generally longer and can even run for two years. These periods are implemented by insurance companies to ensure that they gain significant returns from new users or new accounts and to dissuade people from applying for a new program to cover upcoming procedures
Dental treatments provided by insurance policies are normally categorized into three sectors of coverage: preventive, basic, and major. Full coverage for preventative dental services, including cleanings, X-rays, and sealants, is available with many insurance plans.
Standard treatments include gum disease, extractions, fillings, and root canals, with deductibles, copays, and coinsurance. Several policies provide 80% of these treatments, with patients paying the remainder.
Major treatments like crowns, bridges, inlays, and dentures are usually only covered at 50% of the cost, with the patient paying more than for other procedures.
It’s important to know what procedures count as preventative, basic, and significant when evaluating dental insurance coverage. Some plans consider root canals important, while others consider them basic and cover more of the cost.
If you require more expensive treatments, you must pay close attention to the features of dental insurance policies. For example, an individual dental implant can cost between $3,000 and $6,000.
Several basic dental insurance policies don’t include implants, and the ones that do usually appear with limits and exclusions. That being said, different clients prefer dental insurance that will include implants.
Best Dental Insurance Companies
#1. Delta Dental
Delta Dental is the biggest dental insurance provider in the United States, and it has 39 independent dental insurance companies that provide full dental insurance coverage in all 39 states, Puerto Rico, and other U.S. territories. This insurance company’s network includes more than 150,000 participating dentists nationwide, attending to over 80 million patients or clients.
Delta Dental has one of the most flexible insurance policies, and this is their trademark. They provide various types of coverage packages and are approved by numerous dentists, orthodontists, and dental specialists across the United States. This gives clients the flexibility of selecting any orthodontist.
They are also one of the best providers of braces plans, and if you know that any of your children will need braces at some point in their lives, then you should subscribe to a dental insurance plan with this company.Â
Furthermore, if a family member who is an adult requires braces, ensure your dental insurance policy provides coverage for adult orthodontia. Several employer group policies make provision for such services, but that doesn’t always happen.
#2. Guardian Direct
Usually, getting certain dental treatments, such as bone grafting surgeries, dental implants, and jaw reconstructions, is costly. However, they are often needed or suggested to slow down bone loss and relieve the jaw pain connected to temporomandibular joint (TMJ) disorders.Â
This company’s Gold plan will cover 50% of major procedures like crowns and oral surgery with a zero waiting period. Furthermore, this company is the best for providing seamless major procedures, and there is no deductible for such treatments if your dentist is an in-network provider.
They are also very flexible when it comes to coverage selections; they provide full coverage for dental insurance. Patients can choose the policy that best suits their dental needs. One of the major disadvantages of this dental insurance provider is that, at some policy stages, clients will be forced to wait 12 months after enrolling in your plan before they will find the treatment of a major condition.Â
On the flip side, there is no waiting period for basic preventative treatment. So depending on your predicament, this will provide you the time you require to plan for your upcoming major procedure.
#3. Humana
This company is one of the top dental insurance companies that provide full dental insurance coverage in the United States.Â
Aside from dental insurance, they also provide Medicare insurance as well as conventional health insurance policies. This company has over 335,000 dentists participating in their different dental plan networks.
Humana is a very popular dental insurance company and has earned a lot of recognition and awards. Its headquarters is located in Louisville and its total revenue surpass $92 billion in 2022, impressive isn’t it?
#4. Spirit Dental
What makes this company stand out from others is the fact that they have a no-wait policy and this assures patients that they don’t have to put their oral health on pause.
Similarly, it provides policies with a benefit maximum of $5,000 per year in several states.
Provided that their standard ranges between $1,000–$1,500, it’s obvious that this company can cover a substantial portion of a high dental bill. Therefore, if you have a senior in need of a dental insurance plan, this company is your best bet, especially if they will undergo expensive procedures as they get older.
The disadvantage of using this plan is that your premiums will be more expensive compared to what you are expected to pay on other policies. Regardless, even with the cost, you will find this the best dental insurance company that provides a no-waiting plan.
#5. Anthem Blue Cross Blue Shield
This company caters to over 42 million people who use its insurance coverage plans in 14 states, making it one of the most popular dental insurance companies. They have several dental insurance policies clients can pick from and members have access to beneficial resources and digital equipment that can be very valuable.
A huge part of what makes this company stand out from other insurance companies is its size. The company is a branch of the larger Blue Cross Blue Shield Association, and it provides one of the biggest networks of dental providers in the United States.
One of the demerits of using this company is the non-customizable policy and limited availability in specific parts of the country.
Dental Insurance Companies California
Using the right dental insurance companies in California can help reduce costs and enable you to get the required dental procedure. Ensure you compare various dental insurance policies because this can save you hundreds of dollars or more.
#1. Delta Dental
As earlier stated this dental insurance company is one of the biggest dental insurance providers in the US. They have the largest dental networks nationwide. This insurance provider offers both DHMO and PPO plans. Elderly persons can also access Delta Dental policies through AARP.
DHMO programs from this company are categorized under DeltaCare USA. Members are eligible to receive cheap and lowered-cost treatments with this type of dental program, which requires you to see a single in-network dentist.
Furthermore, they also provide dental programs for immediate coverage. Delta Dental also has a No Wait and Immediate Coverage program that comes without waiting period limitations for basic preventative treatment.
#2. NCD
This dental insurance’s 3000 and 5000 dental programs provide full coverage for major procedures with a zero waiting period.
However before you can access this, you must have previously had dental coverage to be eligible for this offer. Now for individuals who do not have previous coverage, you are expected to wait for 12 months before you can qualify for this plan.
NCD dental policies usually have low deductibles and great annual maximums. Also, they offer various preventative and basic procedure coverage. This dental is pretty cheap and that’s why it is very popular. They have a good pricing structure and also provide great benefits.
#3. Aetna
If you are looking mainly for a PPO dental policy then you should choose Aetna Dental Direct. This is usually the company most people pick when choosing a dental insurance company with a good PPO. This policy also eliminates waiting periods if you’ve had prior dental coverage. It also provides low rates and lots more.
Aetna also offers vision insurance to pair with your dental coverage. If you choose this plan through your employer, you can also select a DMO policy at a reduced cost. But, you must stick to one dental insurance provider with this program.
#4. Covered California
To use this plan, customers must have a prior policy with the covered California insurance health company before they will be allowed to add dental insurance to their health insurance coverage.
Now if you are already using this health insurance provider, then you can go ahead to include your dental plan and save you some cash. This bundling alternative can make Covered California health policies even more affordable.
#5. Smart Health Dental
This is another one of the top dental insurance companies that provides numerous dental
insurance policies and a discount card. All their programs have a zero waiting period, and it has a network of over 200,000 dental providers.
They provide a preventive plan, a plan for major treatment, a senior plan, and a family plan. Your policy can provide benefits that may increase each year.
Ensure you reach out to them today if you would love to purchase a plan and if you have a question, reach out to them, they are always available to take any questions about coverage.
What are the cons of dental insurance?
Insurance policies can have coverage exclusions and conditions. Insurance plans may not cover certain procedures, including cosmetic and orthodontic services, and may only provide for a small percentage of the total cost of major surgical procedures such as implants.
How to get dental insurance in Philadelphia?
You can get dental insurance in Philadelphia through your employer’s health insurance program.
Furthermore, you can buy health insurance and include dental coverage in your policy, or you can just buy an independent dental insurance plan.
What is the best dental insurance to have?
Some of the best insurance to have include:
- Delta Dental
- Guardian Direct
- Humans
- Spirit Dental
Is Best One dental insurance good?
Yes, Best One Dental Insurance is also a good dental insurance company. You can contact them today to get your policy.Â
Conclusions
Having a beautiful smile is truly priceless. That’s why we have provided you with the best dental insurance companies. You must contact them today if you want that beautiful smile!
Best Dental Insurance Companies FAQs
What is the most common type of dental insurance?Â
Dental PPOs are the most common type of dental insurance.
What is the best dental insurance for implants?Â
The best dental insurance for implants is Delta Dental insurance.
What is the best state to get dental work done?Â
All States in the US are the best when it comes to getting dental work done.
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