The best dental insurance plan provide access to a wide network of dentists, reasonable maximum annual payments and the potential for low premiums. When looking for the best dental insurance company, carefully compare and review the dental policy you are considering to know exactly what is covered and what is not covered.
Dental insurance provides you with coverage that will help pay for certain dental work. These policies can help policyholders pay for all or part of the work done by their dentists, from routine cleaning and X-rays to more complex ones, such as implants.
How does dental insurance plan work?
Although dental insurance works a bit like health insurance, premiums tend to be much lower, but of course there is a catch. Most health insurance policies cover a significant percentage of even high costs after you pay your deductible, and many have an annual out-of-pocket maximum, as well as a deductible of $50 to $100. This does not apply to dental insurance, which usually follows the coverage structure of 100-80-50.
What does dental insurance plan cover?
As a rule, full coverage plans go beyond preventive care. They can also offer coverage for the following:
- Basic restorative care. These usually include fillings, extractions and regular x-rays.
- Extensive restoration care. includes items such as bridges, crowns and dentures.
- Orthodontic treatment. These include things like placeholders, braces and other devices used to straighten teeth.
- Preventive dental care: These include regular brushing, regular X-rays, fluoride treatment and sealing according to age and frequency. Many dental plans cover 100% of preventive dental services, with the exception of surcharges during visits.
What is the best dental insurance plan?
The best dental insurance plan for you will largely depend on the products available in your state and the work you need to do. If you already know what treatment you need, you should take the time to determine exactly how much you will have to pay for different insurance plans.
In this detailed example from Policygenius, a patient in need of basic preventive care, sealing and extraction can reduce their annual costs from $ 1,488 to $ 420 from one particular insurance company. A patient who needs a root canal and a porcelain crown has saved almost nothing from the same insurance company, but has been able to more than halve his costs at a discount.
How can I know my dental insurance needs?
If you are an unmarried adult under the age of 30 with very good dental health and do not have a history of oral disease, your dental insurance needs will be very different from, for example, a family of four with two young children. A family of four may have one parent with a history of gum disease, a child who is likely to need orthodontic work, and another child with a history of multiple caries.
In this case, the likelihood of more frequent dental visits and more expensive procedures suggests that a family of four may want to invest in a more complete dental insurance policy, even if the cost of the plan is slightly higher.
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To better understand your requirements, make a generalized list of your or your family’s dental and oral health needs – both historical and current and projected – as well as the amount you have paid in the past for a visit to the dentist. This will be a good guide for assessing policy and predicting overhead.
What are the types of dental insurance plan?
- Dental Preferred Provider Organization: This type of insurance works with a network of dentists who agree to provide services at a certain cost to the insurance provider. These discounts are valuable if you use the services of contracted dentists, but you can also choose dentists offline with reduced coverage.
- Dental Health Maintenance Organization: A network of dentists receives a monthly fee for patient care. Instead, they provide discounted services to the patient. Usually you need to stay online under the HMO.
- Dental Point of Service: Patients can see providers offline, but they save money by staying in the insurer’s network.
What are the best dental insurance plans?
1. Spirit Dental
Spirit Dental offers dental insurance plans without waiting periods and annual maximum amounts that increase after you have a plan in place for several years. This guarantees acceptance for everyone, and you can even get coverage for basic services and dental implants.
Spirit Dental is offered through Ameritas Life Insurance Corp., which has an A + rating from Standard & Poor’s and an A rating from AM Best for financial strength.45 Spirit’s partnership with Ameritas also means that the company works with one of the largest networks of dentists worldwide.
2. Cigna
With nearly 100,000 online dentists in nearly 300,000 locations, Cigna’s dental services plans start at $ 19 per person per month, offering an affordable dental insurance option. There are no surcharges for the usual preventive care. 100 percent coverage is provided for oral examinations, routine x-rays, and brushing every six months.
Cigna offers three basic dental plans. With the Cigna Dental Preventive plan, you will pay the lowest amount per month, and regular preventive care is covered 100 percent when you contact your online service provider. For higher coverage, the Cigna Dental 1000 covers up to $ 1,000 for restorative dental procedures after an individual deductible of $ 50 per person and $ 150 for the family.
· Humana Dental Insurance
Humana has a large network of over 270,000 dentists online, a variety of dental service plans to choose from and no waiting periods for most plans. With prevention plans starting at $ 17 a month and full dental coverage plans starting at $ 44 a month, Humana offers a variety of options.
Humana’s complete dental plan includes preventive services, such as two oral examinations, two brushes, two local fluoride treatments and one oral examination per year at 100 percent without deduction if you stay online.
· UnitedHealthOne Dental Insurance
UnitedHealthOne offers dental insurance plans without age restrictions and preventive care without deductions or waiting periods. It is part of the UnitedHealth Group, which is included in the Fortune 500 list.
The policies can be provided by Golden Rule Insurance Company, a subsidiary of UnitedHealth Group. The group has an A rating of AM Best for financial strength. Dental insurance plans, including coverage and other details, can vary greatly at UnitedHealthOne, depending on where you live. However, this company makes it easy to get a free quote online without any medical underwriting.
