An Overview of Dental Insurance Plans

To keep your oral health on track you need to get yourself a Good oral Dental Insurance Plan, that one can choose to depend upon the basic requirements one has.
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Good oral health is important in your life, therefore you choose for yourself a life insurance plan, but you can Even choose a dental plan if you’re not having dental problems, so that you can keep up to date on regular check-ups and preventative procedures. As prevention is better than cure! So, buy yourself health insurance that covers dental insurance or dental insurance for yourself.

Types of Dental Plans

It’s important to learn the differences between Dental Plans to understand and make better use of dental benefits offered. While Some dental plans do require your dental practice and others limit maximum charges and some have set fees for specific services. Therefore, some different types of dental plans are:

Types of Dental Plans

  • Preferred Provider Organizations (PPO)

PPO dental plan is aa network of dentists who work under contract to the insurance company for delivering specified services and charging for the services rendered from the insurance companies. The dentists accept the maximum allowable fee which is specified in the Insurance plan. However, in the case of non-contracted dentists, the fee charged can be either higher or lower than the plan.

  • Dental Health Maintenance Organizations (DHMO)/Capitation Plans

Here, contracted dentists are “pre-paid” a certain amount each month. And thus, the dentist needs to provide certain contracted services at no-cost or reduced cost to those patients. to receive a benefit under DHMO or Capitation Plans the patients must generally receive treatment at a contracted office.

  • Indemnity Plans

It is also known as “traditional” insurance. As an insurance company pays claims based on the procedures performed which is usually a percentage of the charges. This plan allows patients to choose their dentists, and have a maximum allowance for each procedure referred.

  • Direct Reimbursement (DR)

Direct Reimbursement (DR) dental plans are based on dollars spent. It is a self-funded plan in which patients can go to the dentist of their choice. the patient pays the dentist directly Depending on the dentist’s insurance plan they have opted for and later on need to submit a paid receipt or proof of treatment. And a percentage of the dental care costs are reimbursed by the administrator.

  • Point of Service Plans

Here, arrangements are made in which patients with a managed care dental plan have the option of seeking treatment from an “out-of-network” provider. And a low table of allowances; with significantly reduced benefits acts as the basis for the reimbursement to the patient.

  • Discount or Referral Plans

We can say that these are not insurance plans. Here, the Contracted dentists agree to discount their dental fees and the patients need to pay all the costs of treatment at the contracted rate determined by the plan. Further, there are no dental claim forms to file.

Buying Guide for Dental Insurance plans:

You need to keep certain things in mind while purchasing dental insurance plans and comparing dental insurance plans. These basic things that will help you to get better dental insurance and also acts classified as the different ways to save money while buying dental insurance are:

  • The different types of plans available
  • deductibles, waiting periods, exclusions and spending limits offered in dental insurance plans.
  • Evaluate The most trusted dental insurance providers
  • Choose from dental insurance or an alternative, like a dental savings plan
  • Costs of dental insurance plans.

Best Dental Insurance Plans

Here we recommend you ten of the best dental insurance plans from which you can choose the best plan for you according to your need.

full coverage dental insurance

1. Aetna – Best Overall dental Plans

Several different dental plans are offered by Aetna. But we will recommend you to choose Aetna Vital Dental Savings℠ Plus Rx plan as it has various benefits over other plans and offers added savings on vision, hearing and prescription medications. Therefore, it helps you to keep your teeth in good condition.

Features:

  • There are no annual limits
  • It is an Easy-to-use price tool
  • It Covers general dentists as well as the specialists
  • This plan Saves an average of 15-50{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} on most of the dental services offered.

While some of the other services covered include:

  • Finding a dentist: You need to log in to an online portal to search for the doctor or dentist nearby your area as well as the specialty offered by a dentist, and the number of miles you need to travel to reach the dentist clinic.
  • Making a claim: As services at a reduced rate. So, a less amount is charged from you from the dentist. And in any case, if you want to submit a claim then your dentist can also submit a claim for you.
  • Deductibles: Yes, offered on some plans.
  • Copays: Yes, offered on some plans
  • Restrictions: It doesn’t cover crowns or dentures when you were not having or holding any dental insurance plan.
  • Cost: The cost under an Aetna dental policy of dental care and services varies, depending on the plan and other factors. As the costs vary under the Dental Indemnity Plan. Therefore the Dental Maintenance Organization (DMO) does not allow any annual deductibles and annual maximum.

what does dental insurance cover

Pros

  • Saves 15-50{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39} of the cost
  • There are no health restrictions
  • There are no annual spending limits
  • There are no waiting periods, no copay

Cons

  • $20 processing fee for new members
  • Not available in Massachusetts

2. Cigna – Best Coverage

If you are searching for affordable dental coverage then Cigna dental insurance is the best affordable dental option available for you with no deductibles or copays for routine preventative treatments. In the case of affordability and quality of treatment, the patients can also compare dentist scores. It offers savings on dental care as well as a variety of wellness services that include yoga, chiropractic services, massage and more. Moreover, it has more than 110,000 participating providers nationwide.

Features:

  • It has no annual limits
  • The plan Includes fitness club discounts
  • It includes Hearing and Vision benefits available in the plan
  • There is no waiting periods and no pre-authorizations required

While some of the other services covered include:

  • Finding a dentist: it covers a nationwide network of over 89,000 dentists from which one can choose.
  • Making a claim: Yes, you can File a claim for Cigna dental care offered as per your dental care plan by doing the following:
    • Visit the site and download the claim form
    • Print the claim form
    • complete the claim form
    • Mail your completed claim form at Cigna Dental, P.O. Box 188037, Chattanooga Tennessee, 37422.
  • Deductibles: There are No deductibles on routine preventative treatments that includes cleaning, check-ups, and routine x rays. However, you need to pay Deductibles on restorative work.
  • Copays: There are No copays on routine preventative treatments that include cleaning, check-ups, and routine x rays. However, you need to pay copays on restorative work.
  • Restrictions: It includes include waiting periods for most services.
  • Cost: Cigna dental Plans archetypally range from $19 to $35 per person monthly which can vary as per the plan you opt for.

Pros

  • There are no annual limits
  • There are no preauthorization’s
  • Both Spouse and the dependent children are included

Cons

  • Healthy rewards not available in all states
  • $20 processing fee for new members

3. Solstice – Best Dental Implant Discounts

The Solstice dental discount insurance plan stands out from the rest as it is offering preventative care every six months for free. Under it both PPO and HMO dental insurance options are available. While HMO plans are tightly restricted with dentist customers.

Dental Insurance Plans

Features:

  • It offers Dental discount plan
  • No referrals needed to see a specialist
  • The plan includes a FREE discount prescription drug plan
  • Two FREE preventative care appointments per year

While some of the other services covered include:

  • Finding a dentist: You can use Solstice’s online portal for searching for a dentist in your area.
  • Deductibles: Yes, it is offered on some plans.
  • Copays: Yes, it is offered on some plans.
  • Restrictions: wait times under some plans as well as the fee-for-service plan with its own structured fee are included. While coverage for oral surgery is excluded in some case or plans.
  • Cost: the type of Solstice dental plan determines the cost. As it includes a pre-paid plan, premiums, co-payments and other fees option under the DMHO plan and fee-for-service costs.

Pros

  • PPO and HMO dental insurance options
  • Preventative exam every 6 months
  • Includes free prescription drug discount card
  • Includes spouse and dependent children

Cons

  • Only available in Florida
  • $20 processing fee for new members

4. Aflac – Best Value dental insurance plan

Aflac dental plan Offers you the service to choose the dentist of your choice and also offers you the flexibility to choose coverage based on your individual needs. Moreover, it involves a quick and painless claim process.

Features:

  • It includes Visit to any dentist
  • There are No deductibles
  • Three tiers of coverage available
  • There are No precertification requirements

While some of the other services covered include:

  • Finding a dentist: It offers dental coverage that can visit any dentist. You can Log onto the AFLAC site in case of any information about finding a dentist and other coverage information.
  • Making a claim: To file your claim you van mail, fax, call, or file dental insurance claim electronically.
  • Deductibles: No
  • Copays: It offers dental coverage with no co-pays
  • Restrictions: loss caused by or resulting from a procedure not covered in the AFLAC Schedule of Dental Procedures are not covered in AFLAC plans. You can even see AFLAC Schedule of Dental Procedures for more information.
  • Cost: dental coverage with no out-of-pocket expenses, no deductibles or pre-certifications are offered by AFLAC dental plans.

Pros

  • You can visit any dentist
  • There are No deductibles
  • You can even choose from Basic, Standard, or Premier plans available under AFLAC dental plans.

Cons

  • This plan is not available in all states
  • There are No benefits for replacement of missing teeth before the effective date of coverage in some states

5. Guardian Dental – Best Online Dental Plan Management

Both PPO and HMO dental plans are offered under the Guardian Dental plan to help make dental treatment affordable for families and individuals. We recommend this plan as the best dental plan option for the lowest cost dental plan as you are not charged more than the contracted rate. only a standard amount is paid by the Guardian Dental insurance plan.

Best Online dental Plan Management

Features:

  • It offers PPO and HMO plans
  • There exist three different plans available
  • Family members can each see their dentist
  • The available Rates are guaranteed for one year

While some of the other services covered include:

  • Finding a dentist: By on the website and entering your zip code you can find the nearest dentist available.
  • Making a claim: Your dentist will make a claim as well as do the necessary paperwork as long as you use an in-network dentist.
  • Deductibles: Yes, offered on some plans.
  • Copays: Yes, offered on some plans.
  • Restrictions: It includes a waiting period ranging from no wait for preventive dental care to 12 months for services including root canals and implants. Further, information on specific exclusions and limitations are mentioned in your Full Plan Summary.
  • Cost: The cost varies according to the plan. As it offers The Guardian Dental Advantage Silver, Gold, and Bronze PPO plans, as well as Guardian Dental, Managed DentalGuard (DMHO) plans.

Pros

  • Large in-network dentist options
  • Stay with your dentist, even if they are out-of-network
  • Each family member can have their dentist
  • No waiting periods for preventative care

Cons

  • Some procedures have a 6-month (or less) waiting period, depending on the state
  • Not available in all states

6. AARP – Best Senior Discounts dental plans

It offers a range of network dentists to choose from. This plan is administered by Delta Dental Insurance Company. You can choose between PPO and HMO plans as a variety of options are available.

Features:

  • AARP members guaranteed acceptance
  • Administered by Delta Dental Insurance Company
  • It offers Choice of PPO and HMO plans
  • It has a large nationwide network

While some of the other services covered include:

  • Finding a dentist: You can Visit the AARP Delta Dental site and choose the best dental plan option available for you.
  • Making a claim: In the case of an in-network dentist, your claim is usually filed by the dentist. And in case you visit an out-of-network dentist you need to file the claim yourself.
  • Deductibles: There are No Deductibles offered.
  • Copays: Yes, offered on some plans.
  • Restrictions: Unknown
  • Cost: The dental insurance plan cost varies according to the plan. You can check your state insurance plans to view available plans and costs that include the cost of deductibles and maximum coverage amounts.

Pros

  • It offers Guaranteed acceptance for an AARP member
  • Both PPO and HMO plans are offered
  • There is No annual deductible
  • There are no waiting periods

Cons

  • Costs will be higher for an out-of-network dentist

 

7. Delta Dental – Best dental plan for Retirees

 

Delta dental plan suggests both PPO and HMO dental plans and offers plans of its own to individuals, families, and employers. You can also choose from a variety of dental insurance plans and benefits available that will vary depending on your state. You can also get an idea of personal costs and benefits from the website.

It includes:

  • Comprehensive coverage: $50.61-171.42
  • Basic Coverage: $16.40-57.39
  • Regional Coverage: All regions

Features:

  • PPO and HMO plans
  • offered for both Individual or family
  • dental plans and benefits vary depending on the state
  • Some plans cover includes orthodontia for adults

While some of the other services covered include:

  • Finding a dentist: It has an online portal from where you can search for dentists in your area.
  • Making a claim: You need to download a form and file the dentist’s insurance claim by post.
  • Deductibles: Yes, on some plans.
  • Copays: Yes, on some plans.
  • Restrictions: dental plans do not always cover every procedure. You need to check with your specific plan for limitations and exclusions of the dental insurance proposal you have opted for.
  • Cost: The cost of dental plans varies with the individual plan. your choice of the DentalCare USA plan or the Delta Dental PPO plan or whether you have individual or family coverage determines the cost of the dental plan for you.

Pros

  • Individual and family plans
  • Orthodontia for adults may be covered, depending on the plan
  • affordable basic and mid-tier coverages
  • Using an in-network dentist ensures the lowest dental cost
  • It has availability in every region.

Cons

  • Not all benefits are available in all areas.
  • Includes Average comprehensive premiums
  • full payment is required by the Basic coverage

 

8. MetLife – Best Provider Network for dental plans

 

MetLife Insurance plan offers a PPO dental insurance program as well as an HMO option. The patients can choose any dentist even if they’re not in-network. There are various dental plans for seniors that even include special plans for US Government and US military service members (and their families) for both active and retired persons. most cleanings and exams are covered in the MetLife Insurance plan. Thus, we recommend MetLife insurance as the best dental insurance provider for family coverage.

It includes:

  • Comprehensive coverage: $41.22-124.25
  • Basic Coverage: $32.25-93.83
  • Regional Coverage: All regions

Features:

  • It has a network that includes over 146,000 providers
  • You can See dentists in or out of the network
  • Both PPO and HMO plans available

While some of the other services covered include:

  • Finding a dentist: You Use MetLife’s online portal for choosing the nearest dentist available.
  • Making a claim: You can use mail to file a paper claim, or can even ask your dentist if they can file a dental insurance claim on your behalf.
  • Deductibles: Yes, are offered.
  • Copays: Some dental plans possibly will require a copay.
  • Restrictions: Unknown
  • Cost: MetLife Insurance plans Costs vary according to the plan you have opted for.

Pros

  • A large nationwide network of dental providers
  • See dentists in or out-of-network
  • It Offers Affordable comprehensive dental plans for families.
  • Individual and family plans
  • Special dental plans for veterans and federal employees

Cons

  • Dental HMO plans only available in certain states
  • Basic plans are expensive.

 

9. United Healthcare – Best Preventative Care dental insurance

 

The United Health care dental insurance provider network is extensive, which covers over 85,000 dental offices throughout the U.S. There are no waiting periods and no deductible. We suggest United Healthcare plans as the affordable dental insurance at all ages, that does not involve any deductibles or waiting periods on preventative procedures.

It includes:

  • Comprehensive coverage: $52.33-192.17
  • Basic Coverage: $21.02-80.93
  • Regional Coverage: All except East

Features:

  • It is affordable dental coverage for all ages
  • It is a Flexible plan to choose from
  • Preventative care is covered with no waiting periods

While some of the other services covered include:

  • Finding a dentist: You can find a dentist by searching in the United Healthcare’s directory of dentists.
  • Making a claim: This plan pays dentists directly, therefore, you don’t need to file a claim.
  • Deductibles: Yes, offered on some plans.
  • Copays: Yes, offered on some plans.
  • Restrictions: no waiting period for preventive care but, in case of major services there is waiting periods of up to 12 months. annual maximums limitations are also there.
  • Cost: Costs vary according to the plan, where the Potential costs will include premiums, co-pays, deductibles, and co-insurance.

Pros

  • In-network dentists paid directly
  • More options are available than other providers
  • There are no age restrictions involved.
  • The United Health care dental Plans are designed specifically for older adults

Cons

  • The annual maximum dental benefit of $1,000-$3,000 depending on the plan
  • It offers Expensive dental basic coverage.

 

10. Renaissance Dental Insurance – Best Family Coverage dental insurance

 

Renaissance Dental plan consists of more than 200,000 participating dental providers offering PPO plans. Some services do have a waiting period that depends on the plan, but no waiting period in case of preventative care.

Features:

  • It has Over 300,000 participating providers
  • There are no waiting periods
  • There exist several dental insurance plans to choose from

While some of the other services covered include:

  • Finding a dentist: You can go on an online portal to search and choose your dentist.
  • Making a claim: Your dentist can file the dental claim for you. Thus, you don’t need to worry.
  • Deductibles: Yes, Deductibles are offered the amount of which varies by dental plan.
  • Copays: A Pre-treatment Estimate is given to the members for each service covered.
  • Restrictions: Unknown
  • Cost: The dental insurance plan Costs varies according to your opted dental plan which includes the cost of deductibles, co-pays, annual maximum benefit coverage as well as any other costs.

Pros

  • A large number of in-network providers
  • No waiting periods on dental preventative care
  • No deductible for preventative services

Cons

  • Yearly policy maximum is $1,000 for all plans

The 5 Best Dental Insurance Providers based on Specific Needs:

Here, we have brought you 5 best Dental Insurance Providers that you can choose depending upon your need or requirements, which are:

  1. Best Insurance Provider for Family Plans: UnitedHealthOne Dental Insurance
  2. Best Insurance Provider for Families on a Budget: Delta Dental Insurance
  3. Best Insurance Provider for Discounts: Humana Dental Insurance
  4. Best Insurance Provider for Global Coverage: Cigna Dental Insurance
  5. Best Insurance Provider for Rewards Programs: Ameritas Dental Insurance

Some other relevant dental insurance providers:

 

  • Guardian Direct offering the Best Regional Coverage

 

Pros:

  • It offers Best dental insurance quotes in most regions
  • It is among the most affordable dental insurance provider.
  • It suggests some of the Excellent dental quote processes

Cons:

  • The mid-tier plan doesn’t cover cleanings at 100{367c01af22dc6c3a8611ff25983b0f0a247ed9fc1c45fd9103ad49b47a0c5f39}
  • Major procedures have a 12-month wait
  • Doesn’t cover cosmetic procedures

 

  • Physicians Mutual offering The best value dental insurance

 

Pros:

  • It offers Affordable dental comprehensive coverage
  • It has an Easy dental quote process
  • It consists of 470,000 provider locations

Cons:

  • The service is not available in the Northwest
  • Doesn’t pay dentists directly
  • Major dental care coverage doesn’t begin for 12 months

Conclusion

Maintaining good oral health is important to keep ourselves healthy. Thus, you can opt for Dental insurance which indirectly reduces the amount you need to pay for dental care. But, before finalizing the plan do consider the terms and conditions mentioned in the plan as well as which treatments are covered, how much coverage you will be getting and the amount you are expected to pay in deductibles or copays.

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