The 3 Best Dental Insurance Companies and Plans to Keep Your Teeth Covered

When you have a large family that needs regular teeth checkups, dental insurance is a must-have for taking away a lot of the cost of regular appointments. Similarly, it can cut back slowly on the expensive procedures like root canal surgeries.

However, while dental insurance might seem like a no brainer for many people, in reality, it can actually be incredibly expensive depending on the procedure you need. Luckily, we included a list of the best dental insurance on the market right now.

DENTAL INSURANCE FREQUENTLY ASKED QUESTIONS

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Before we get started, let us go over some basic questions people frequently ask about dental insurance. That way we can get some of the basic terminologies and look at the popular forms of dental plans.

1) WHAT IS DENTAL INSURANCE?

Dental insurance is a form of protection that covers part or most of the costs involved in dental work. Depending on what type of plan you use, it can include everything from simple checkups to major dental work and surgery.

2) HOW DOES DENTAL INSURANCE WORK WHEN YOU USE IT?

Dental insurance works a lot like health insurance in the United States. Like health insurance, you pay a monthly amount which becomes known as your premium. However, before your dental insurance starts helping with your payments, you must first pay some out-of-pocket charges known as a deductible.

However, even after you pay for your deductible, you will still need to pay for a percentage of the dental work you get. In essence, you share the cost of whatever procedure or checkup you get with your insurance company. As such, it is known as a co-pay.

Depending on the type of dental insurance plan you go with you will receive an annual spending limit and a coinsurance percentage (the amount of each bill you need to pay). Some projects also offered co-pay services which are fixed prices on certain popular services like x-rays.

3) WHERE CAN YOU BUY OR GET DENTAL INSURANCE?

You can purchase a dental insurance plan online, or you can go through your employer’s health insurance (though keep in kind that this option might not always be the best case depending on your specific circumstances). Find a plan that works for you preferably one in the network and then sign up online.

4) HOW MUCH DOES DENTAL INSURANCE USUALLY COST?

On average American dental insurance typically costs roughly three hundred and fifty dollars per year — or between twenty and fifty dollars per month. However, this estimate does not represent every case — some plans are more expensive, and others are less expensive.

HOW WE REVIEW THE DENTAL INSURANCE COMPANIES ON THIS LIST

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Since the right dental plan depends on quite a bit on the specific circumstances of the person buying them, we tried to include major dental providers that suite specific.

The insurance companies found at the top of the list appeal to the most significant number of people, while ones found under it might appeal to more specific circumstances.

For example, United Healthcare works well for large families who want preventative care but would not work as well for older individuals undergoing extensive dental work.

When reviewing these services, we look at some of the critical features, the pros and cons, and the overall pricing model before we come to a ranking conclusion.

OVERALL PRICE RANGE FOR DENTAL INSURANCE

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As we will see, there is not a clear cut cost when it comes to dental insurance. The amount of money you pay years depends on a variety of factors, like the specific plan you choose, the types of procedures you undergo and whether or not you go through an employer in-network provider.

We can say that for the average American dental insurance costs roughly three hundred and fifty dollars per year, or between twenty and fifty dollars per month. If you only want preventive care, then your health plan should fall on the less expensive side.

Most companies offer more extensive plans that help appeal to individuals with a greater need for basic or advanced procedures. However, these plans typically cost a lot more per month.

TOP THREE BEST DENTAL INSURANCE COMPANIES

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We want to emphasize that there is no single best dental insurance, but rather a variety of types that appeal to different needs.

1) Cigna

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Key Features

Cigna might not be the cheapest dental insurance plan on the market right now, but it is one of the universal in terms of its coverage. Even stuff that does not fall under the free services offered by the company typically come at a discount.

As such, we recommend it for people who want great preventive and diagnostic care, but also the flexibility to handle possible surprise surgeries. So, if you think you need braces or root canal surgeries, Cigna can often offer savings of up to thirty-seven dollars.

PROS

  • it is quite affordable
  • it offers enough coverage with its plan to compete with the other major service providers
  • will likely save you quite a lot of money compared to some small projects.

C​ONS

  • long wait periods associated with the company.
  • for such an extensive network there is not a large selection of in-network doctors you can choose

Pricing

There are three policies offered by Cigna: myCigna Dental Preventive, myCigna Dental 1000 and myCigna Dental 1500. The myCigna Dental Preventive plan, which costs around twenty dollars per month, offers free preventive and diagnostic dental procedure as well as some discounts on major systems if you want them.

The myCigna Dental 1000 and myCigna Dental 1500 offer the same thing but with a one thousand and fifteen hundred dollar maximum annual benefit respectively. The cost around twenty-five and thirty dollars per months — but it varies depending on the state.

​2) United Healthcare

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Key Features

A United Healthcare dental plan offers plans for both families and individuals in all fifty states including the District of Columbia. This extensive network makes it easier to find good dentists, especially in rural areas. It received an excellent rating from A.M. Best — a national ranking service.

If you have more than three family members in your plan, then you do not need to pay a family deductible which cuts back on costs.

PROS

  • extensive network that comes along with it
  • have no problem find doctors that fit the plan you need
  • ideal for larger families with at least four plus people in them
  • excels at providing preventative care solutions

C​ONS

  • orthopedic work does not come with the plan
  • long wait times when you schedule your appointments

Pricing

There are six types of dental plans you can get from United Healthcare, though keep in mind that they differ in price slightly from state to state. We included some of the most popular ones, though they all remain the same with minor changes in coinsurance and the types of services offered.

The primary dental plans offer a fifty dollar deductible per person and a fifty percent coinsurance on preventive care. The max is one thousand dollars per person.

The Dental Primary Preferred plan offers the same price in terms of annual maximum and deductible, but it covers thirty-five percent for preventive care and fifteen percent for major operations after the deductible.

Generally, we recommend the Dental Premier Choice plan. It comes with a fifty dollar deductible for both primary and major dental procedures. After the deductible, the company covers fifty percent of necessary procedures and ten percent of major systems. The max is fifteen hundred per the calendar year.

​3) Delta

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Key Features

Delta holds a well-maintained reputation as one of the most affordable dental insurance companies out there right now. The company offers two central plans right now: DeltaCare USA and Delta Dental PPO. The first option works like an HMO plan in which you can choose your dentist from an extensive network.

The company offers over one hundred and forty thousand dentists in its network, so you will have plenty of options when choosing and fewer wait times than some of the smaller companies out there.

Once you select a dentist, you can see all of the costs in terms of copay and coinsurance up front. The other option, Delta Dental PPO lets you choose a dentist yourself (though there are discounts if you want one in the network) and covers a range of primary and preventative procedures.

If you need a dental plan that does not cost as much, then Delta as an insurance option should work correctly for you. They specifically tailor their basic plan toward customers shopping on a budget.

The company also offers a lot of free x-rays. While this benefit might not seem like a big deal, it saves a lot of money for people who need frequent x-ray visits either because of gum disease or oral cancer. So, if you struggle with any of these conditions, then you will get a good value out of the dental insurance company.

PROS

  • affordability of some of the underlying policy prices
  • number of services they offer if you want to expand your areas of coverage
  • increased amount of free x-ray procedures
  • Delta lets you get two per year which is a lot more than most companies typically offer

C​ONS

  • you need to pay your plan installments in one yearly sum
  • their pricing varies massively depending on what region of the country you live in

Pricing

The DeltaCare USA costs sixteen dollars per month for individuals, thirty-two dollars per month for a couple and fifty-seven dollars per month for families.

On the flip side, the Delta Dental PPO costs fifty dollars per month for individuals, one hundred and one dollars per month for a couple and one hundred and seventy-one dollars per month for families.

Comparison Table

In this section, we compare some of the main comparison points we think people should keep in mind when looking at the dental insurance companies.

1) Cigna

Does it cover major treatment procedures? Yes

Annual maximum — Between $1000 and $1500

How long are the waiting periods? — Around six months, but sometimes they offer waivers

Different dental insurance plans provided — Three different dental plans offered

2) United Healthcare

Does it cover major treatment procedures? — No

Annual maximum — Between $1000 and $1500

How long are the waiting periods? — Between six to twelve months depending on the area

Different dental insurance plans offered — Six different dental plans offered

​3) Delta

Does it cover major treatment procedures? Yes

Annual maximum – No annual maximum

How long are the waiting periods? One to two months

Different dental insurance plans offered — Two different dental plans offered

​The Verdict

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We hope this article helped you find the best dental insurance for you and your family. In our opinion, the best dental insurance company on this list would be Cigna. We believe the company offers the best cross-section of affordability and coverage.

But, the main reason we choose is the universal nature of their plans. They offer great comprehensive coverage in areas where many other competitors lacked. However, as we mentioned, it may not be right for everyone.

Some people might prefer going with a cheaper option. Or, they might want a plan that offers more specific benefits on major dental procedures. So, make sure you keep these things in mind when you shop. Good luck!

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