While you cannot put a price on a beautiful smile, finding a comprehensive dental insurance plan at an affordable rate is very important. You must consider your specific needs before you choose a plan. Listed below are some of the top-rated dental insurance options that you might want to consider:
United Health One Dental Insurance
This company provides dental coverage in both employer and individual plans. It offers six dental plans with notable benefits:
Dental Primary: Deductible of $50 per person for basic services through a network provider; does not cover major services.
Dental Primary Preferred: Deductible of $50 per person for basic services and $50 per person for major services, using a network provider.
Dental Essential: Deductible of $50 per person for basic services through a network provider, and 80% for preventive services.
Dental Essential Preferred: Deductible of $50 per person for basic services and $50 per person for major services, using a network provider, and 80% for preventive care.
Dental Premier Choice: $50 for both basic and major services using a network provider.
Dental Premier Elite: $50 for both basic and major services using a non-network provider.
Delta Dental Insurance
With a network of over 155,000 dental practitioners nationwide, Delta Dental is the largest provider of dental benefits in the US.
They offer group and individual plans, along with plans through the Health Care Exchange (Marketplace). Their plans are designed for families on a budget.
Here’s an overview of their two plans:
DeltaCare USA
– Prepaid plan
– No deductible
– Low or no copayments for most preventive and diagnostic services.
– Coverage for over 300 procedures including bleaching, tooth whitening, additional cleanings.
– No exclusions for missing teeth or pre-existing conditions
– Enrollees need to choose a primary care dentist from the network of preferred providers.
Delta Dental PPO
– Enrollees can access a network of dentists who accept reduced charges for the services covered.
– overed services depend on the percentage of the fees of the dentist.
– Enrollees might need to pay a deductible and charges for non-covered services.
Humana Dental Insurance
– Humana offers both group and individual dental plans. It offers the following plans with benefits:
Dental Loyalty Plus
– Full coverage of preventive services.
– Ability to choose any network or non-network dentist.
– No waiting period.
– One-time deductible.
Dental Value
– Lifetime deductible of $50 for an individual and $150 for a family.
– Set fee schedule for basic and major services.
– Full coverage of preventive services.
– No maximum benefit limit.
– No waiting period.
Dental Preventive Plus
– Full coverage with in-network providers for preventive services.
– Discounted fees with in-network providers for major services.
– 50% coverage with in-network providers (after deductible) for basic services.
– Low annual deductible.
– No copays.
– No waiting period.
Dental Savings Plus
– 20% to 40% coverage for preventive services.
– Discounted fees with in-network providers for basic and major services.
– No copays, deductibles, or waiting period.
Complete Dental
– 80% coverage after the deductible (some limits apply) for basic services.
– 50% coverage after the deductible (some limits apply) for major services.
– 100% coverage after the deductible (some limits apply) for preventive services.