The Best Dental Insurance Providers of 2023

The Best Dental Insurance Providers of 2023

Individuals and families can receive superior coverage with UnitedHealthOne Dental's insurance program Dental care is essential to maintaining general health, yet it is typically excluded from coverage under health insurance policies. The good news is that dental insurance can be more reasonably priced than you anticipate being able to afford it. You can get dental care through an individual plan, or your employer might pay for some or all of it as part of your overall benefits package. Either way, you have options. Most dental insurance policies will pay for preventative services such as cleanings and more extensive procedures such as fillings and crowns. The finest dental insurance plans offer reasonable monthly costs in addition to excellent coverage and a high level of customer satisfaction. Some dental insurance policies require you to wait a certain amount of time before you are eligible for full coverage. Still, some plans let you begin receiving benefits right away. The following are a few of the most advantageous choices for dental insurance in the industry.

The Five Finest Dental Health Insurance Companies for 2022

  1. Highly Recommended for Family Plans: UnitedHealthOne Dental Insurance
  2. Highly Recommended Option for Families Who Are On A Budget: Delta Dental Insurance
  3. Highly Recommended for Most Discounts: Humana Dental Insurance
  4. Highly Recommended for Coverage Across the Entire Country: Cigna Dental Insurance
  5. Highly Recommended for Rewards Program: The Ameritas Dental Insurance

Highly Recommended for Family Plans: UnitedHealthOne Dental Insurance

  • TYPES OF POLICIES OFFERED: 10
  • COVERAGE: between $1,000 and $3,000

Why did we recommend it?

We went with UnitedHealthOne Dental Insurance since it offers family dental policies that are both reasonable and easy to access. AM Best gives UnitedHealthOne an excellent rating, and the company provides clients with ten distinct dental plan options.

The advantages and disadvantages

UnitedHealthOne Dental Insurance - the advantages

  • There are 10 distinct package options.
  • Affordable premiums every month

UnitedHealthOne Dental Insurance - the disadvantages

  • Some services can require you to wait in line for a while.
  • Unacceptable levels of coverage for orthodontics

Overview

Individuals and businesses can get dental care through UnitedHealthOne's individual and employer plans. AM Best has given the Golden Rule Insurance Company a rating of "A+ (Superior)," which reflects the financial strength and stability of UnitedHealthOne's products. Golden Rule is an insurance company that underwrites many of the individual insurance policies that UnitedHealthOne offers. The following is a list of six of United's most popular dental plans, along with the advantages that each one offers:

  • Dental Primary:

When visiting a network provider, there is a deductible of $50 per person for basic procedures, but no copayment is required for preventive care. After the deductible is met, coverage for essential services increases to fifty percent in the first year, sixty-five percent in the second year, and eighty percent in the third year and every year after that. The coverage does not extend to primary services. There is a yearly cap of one thousand dollars per individual.

  • Dental Primary Plus:

When a patient visits a dentist not part of their insurance provider's network, the policy requires them to pay a deductible of $50 per person for essential services. All of the costs associated with preventative care are covered in full. After the deductible is met in the first year, coverage for essential treatments is at a level of fifty percent, then sixty-five percent, and finally eighty percent. The coverage does not extend to primary services. There is a maximum charge of $1,000 each year.

  • Dental Essential:

This plan has a deductible of $50 per person for basic services when working with a provider from the plan's network. The coverage for preventive services starts at 80 percent and then gradually increases to 90 percent and eventually reaches 100 percent. After meeting the deductible, coverage for essential services equals fifty percent. After that, this jumps up to 65 percent, and eventually, it reaches 80 percent. The coverage does not extend to primary services. Your benefits will be limited to a maximum of $1,000 per year.

  • Dental Essential Preferred:

When utilizing a provider that is part of the network, there is a deductible of $50 per person for major services and a deductible of $50 per person for basic services under this plan. At first, there will be a coverage rate of 80 percent for preventive care. Then it will increase to 90 percent, eventually reaching 100 percent. After meeting the deductible for the first year, coverage for essential services is fifty percent. After that, it rises to sixty-five percent, and then eighty percent. After the deductible has been met, coverage for major services is at a rate of 15%. This eventually rises to a total of fifty percent and then sixty percent. A $1,000 annual maximum per person applies.

  • Dental Premier Choice

This coverage has a combined deductible of $50 per person for both major and basic dental procedures when received from a provider who is part of the network. When it comes to preventative care, there is no copayment required. After meeting the deductible, coverage for essential services equals fifty percent. After year one, this rises to a 65 percent success rate, and after year two, it reaches an 80 percent success rate. After meeting the deductible, major services are initially covered at a rate of 10 percent, which then rises to 40 percent and 50 percent. The annual maximum payout under this plan is $1,500.

  • Dental Premier Elite:

The combined deductible for an individual under this plan is $50, which applies to routine and major medical care received from a non-network physician. When it comes to preventative care, there is no copayment required. After the initial deductible, the coverage will initially cover basic services at 50 percent, but over time, this will climb to 65 percent, and ultimately 80 percent. The initial coverage for major services is 15 percent, after which it will climb to 50 percent and eventually to 60 percent. This policy has a yearly limit of $2,000 for its maximum payout.

Highly Recommended Option for Families Who Are On A Budget: Delta Dental Insurance

  • TYPES OF POLICIES OFFERED: 5
  • COVERAGE: between $500 and $2,500

Why did we recommend it?

Because it offers reasonably priced plans for the entire family, Delta Dental is our top recommendation for financially constrained households. Additionally, Delta Dental provides an HMO dental plan with no yearly maximums or deductibles, making it much simpler for you to pay the necessary coverage.

The advantages and disadvantages

Delta Dental Insurance - the advantages

  • HMO plan that does not have any annual maximums or deductibles.
  • The reasonable cost

Delta Dental Insurance - the disadvantages

  • Depending on the plan you have, it may not cover certain operations.
  • There may be a hold time associated with certain plans.

Overview

Delta Dental is the largest supplier of dental insurance in the United States and has a network that includes more than 155,000 dentists in practice across the country. AM Best has affirmed both the financial strength rating and the issuer credit ratings for the company, which resulted in the assignment of an "A" (Excellent) rating to Delta Dental. Plans for individuals, groups, and those purchasing insurance via the marketplace established by the Affordable Care Act are available through Delta Dental. Delta Dental provides programs tailored to meet families' needs with limited financial resources. The following is an overview of two different insurance plans offered by Delta Dental:

  • DeltaCare USA:

This plan requires an annual premium payment in advance. It provides, among other advantages, coverage for more than 300 procedures, no deductibles or annual money maximums, no copayments or low copayments for the majority of diagnostic and preventive treatments, and no annual dollar maximums. If you were to enroll, one requirement would be to select a primary care dentist from among the chosen providers in the network.

  • Delta Dental PPO

This is the company's preferred-provider option scheme. Participants have access to a network of dentists willing to charge reduced costs for the procedures covered by the program. The amount paid for covered services is calculated as a percentage of the total fee charged by the dentist. You'll be responsible for a certain proportion of the total cost, and the insurance company will cover the rest. The amount that the insurer will reimburse can vary depending on your chosen plan. Participants in the program may be required to pay a deductible in addition to any additional charges for non-covered services or sums that exceed the yearly maximum.

Highly Recommended for Most Discounts: Humana Dental Insurance

  • TYPES OF POLICIES OFFERED: 8
  • COVERAGE: $1,000 and unlimited

Why did we recommend it?

Humana is an excellent choice if you are interested in receiving reductions to the cost of your dental insurance policy. When you utilize a provider who is part of the insurer's network, you are eligible for fee reductions regularly.

The advantages and disadvantages

Humana Dental Insurance - the advantages

  • There is no lag time associated with some plans.
  • Rebates from service providers who are part of the network

Humana Dental Insurance - the disadvantages

  • Cost increases for several different plans.
  • High rates of co-insurance coverage

Overview

Individuals and groups can obtain dental health coverage through Humana's insurance policies. When subscribers receive dental services from a dentist who is part of a dental network, they are eligible to save anywhere from 10 percent to 60 percent, according to the information provided on the company's website. The following dental plans are offered, and each one comes with the features listed:

  • Dental Loyalty Plus

The ability to visit any dentist, regardless of whether or not they participate in the network. Protection for preventative care services. One-time deductible. There is no pause for waiting. The maximum yearly benefit of $1,000 the first year, increasing to $1,250 the second year, and $1,500 the third year and every year after that. Your share of the costs will become a smaller percentage of the total after the plan's first and second years. The co-insurance rates vary depending on the operation.

  • Dental Preventative Value:

After the deductible is met, there is complete coverage for preventive care services. The coverage excludes major services. After the deductible is met, coverage for certain fundamental services is at a rate of fifty percent. The individual deductible is $50, and the maximum lifetime deductible is $150. There is no required waiting time and no maximum benefit amount.

  • Bright Plus PPO

All of the costs associated with preventative care are going to be covered. Individuals are responsible for $50, while families are responsible for a deductible of $150. The vast majority of other services are not covered by the insurance, except for fillings and basic extractions, which are reimbursed at sixty percent once the deductible has been met.

  • Dental Savings Plus

It is important to note that this is not a replacement for traditional dental insurance. Using these savings, you can save up to 40 percent on preventive services. Charge reductions for major and minor services rendered by in-network medical professionals. Not even a deductible! No deductibles. There is no pause for waiting. There is no cap on the number of services that may be utilized during any given year, up to a twenty percent savings on orthodontic treatments. The majority of prescriptions are offered at a discount of 37%.

  • Complete Dental:

The plan provides coverage of one hundred percent for preventive dental services. Basic services are covered at 80 percent after the deductible (with some limitations), whereas significant services are covered at a rate of 50 percent after the deductible (with certain limitations). The waiting time for preventative treatment is not required, and if you can provide documentation of prior dental insurance, the waiting period for basic and major services will be removed.

Highly Recommended for Coverage Across the Entire Country: Cigna Dental Insurance

  • TYPES OF POLICIES OFFERED: 3
  • COVERAGE: between $1,000 and $1,500

Why did we recommend it?

Because it offers low prices across its whole country-wide network of dentists, Cigna Dental is an excellent option for people who are frequently on the move.

The advantages and disadvantages

Cigna Dental Insurance - the advantages

  • Large dental provider network

Cigna Dental Insurance - the disadvantages

  • There is a limited selection of plans available in each state.

Overview

Through its extensive network of more than 92,000 dentists, Cigna offers its customers three distinct dental plan alternatives. Cigna's dental network covers the entire country, so even if you're out of town, you can still get the dental care you need through the company. AM Best has awarded Cigna an "A (Excellent)" grade, indicating that the company possesses robust financial strength. The following is a list of individual insurance policies offered by Cigna Dental:

  • Cigna Dental 1500:

Preventative services provided in-network cost nothing. Individuals are responsible for $50, while families are responsible for a deductible of $150. After meeting the deductible and paying the co-insurance, coverage for restorative therapies is up to $1,500 per year. Coverage for orthodontic care is available for up to $1,000.

  • Cigna Dental 1000:

Preventative services provided in-network cost nothing. After meeting the deductible and paying the co-insurance, the policy may reimburse up to $1,000 annually for rehabilitative therapies. Individuals are responsible for $50, while families are responsible for a deductible of $150. There is no coverage for orthodontic treatment.

  • Cigna Dental Preventive:

Preventative services provided in-network cost nothing. There is no coverage provided for rehabilitative services. There are no deductibles for individuals or families to worry about. There is no coverage for orthodontic treatment.

Highly Recommended for Rewards Program: Ameritas Dental Insurance

  • TYPES OF POLICIES OFFERED: 3
  • COVERAGE: between $750 and $2,500

Why did we recommend it?

Our top recommendation for a dental insurance plan that includes a rewards program is Ameritas. Participants can raise their yearly maximum reward by going to the dentist every year and keeping their appointments.

The advantages and disadvantages

Ameritas Dental Insurance - the advantages

  • The opportunity to accumulate incentives and boost the maximum benefit received
  • All of the costs associated with preventive care are taken care of.

Ameritas Dental Insurance - the disadvantages

  • Insufficient coverage for orthodontics
In the world of insurance, Ameritas is widely recognized as one of the most reputable dental insurance companies. In addition, Ameritas provides its enrollees with a Dental Rewards program. Participants in this program have the opportunity to increase their annual maximum benefit, which you can then use to assist in the payment of more expensive procedures in the future. This is accomplished by seeing a dental provider annually and submitting a claim. AM Best has given the company an "A" rating, which denotes excellent performance, while Standard & Poor's has given it an "A+" grade, indicating strong performance. The following is a list of benefits that are included as standard with each and every Ameritas dental plan:
  • The standard prices that network providers charge customers are discounted by between 25 and 50 percent.
  • Participants are free to see dentists who are not part of their plan's network.
  • Participants can receive discounts on medicines from more than 60,000 pharmacies that are a member of the partnering network.

Dental Insurance - the bottom line

Because dental care plays a crucial role in overall health, having a good dental insurance plan is essential for maintaining good oral health. The best dental insurance policies have very brief waiting periods, reasonable monthly costs, and comprehensive coverage that extends to routine dental care and more extensive dental work. UnitedHealthOne is the company that we recommend most highly for dental insurance. UnitedHealthOne provides dental insurance coverage for the whole family at prices that are competitive with other providers. Patients can select from ten distinct dental policies with differing degrees of protection. In addition, AM Best gave UnitedHealthOne an A for financial stability, which indicates that the company will be able to pay the costs associated with your claim whenever you submit it.

Examine the Leading Companies Offering Dental Insurance, Listed Below

COMPANY 

CATEGORY

PLANS

PROVIDERS IN-NETWORK 

COVERAGE LIMIT 

WAITING PERIOD
UnitedHealthOne For Family Plans 10 100,000 $1,000 to $3,000 Varies
Delta Dental Option for Families Who Are On A Budget 5 155,000 $500 to $2,500 Varies
Humana Most Discounts 3+ 270,000 $1,000 to Unlimited Varies
Cigna Coverage Across the Entire Country 3 92,000 $1,000 to $1,500 Varies
Ameritas Rewards Program 3 Unknown $750 to $2,500 Varies

Frequently Asked Questions (FAQs)

What kinds of expenses are covered by dental insurance?

The majority of dental procedures, such as teeth cleanings, preventative care, crowns, and fillings, are covered by dental insurance. The insurance plan may also cover a percentage of orthodontics, periodontics, and prosthodontics under specific dental insurance policies. Cosmetic dentistry procedures, including teeth whitening, are often not covered by dental insurance policies.

How much does it cost to get dental insurance?

Although deductibles can be as low as $50, there may be an annual maximum on the number of treatments paid for by the insurance policy, such as $1,000 or $1,500. You may also be obliged to stay within a network or face the possibility of paying higher prices for providers not part of the network. Compared to acquiring dental insurance on your own, having an employer that provides coverage for dental expenses as part of its benefits package is typically more cost-effective. A monthly premium is required, similar to health insurance, and a deductible must be satisfied before the insurance provider will pay for any of your services.

Does the cost of dental insurance justify its value?

Most of the time, dental insurance will only cover part of the procedures and preventive care you require. You might be better off paying out of pocket for annual examinations and cleanings but nothing else if that's all you need. On the other hand, much like with health insurance, if you need an unforeseen surgery like a root canal, your savings could be rather significant.

Methodology

When developing this list of dental insurance carriers, we considered a few different variables. We sought businesses that provided customers with a selection of varied plan alternatives to pick from. We chose insurance companies with solid ratings for their financial stability and ability to satisfy their customers. Ultimately, we sought plans with affordable premiums and excellent coverage options for a wide range of essential and preventative medical procedures.

Alex

Alex

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