Top Dental Insurance Companies
Under health insurance, you can get dental insurance for specifically teeth-related issues. If you have a history of dental problems, dental insurance can be very beneficial. However, to enjoy the full benefits, you must ensure you purchase it from the top dental insurance companies.
In this post You will learn about the top dental insurance companies available in this post. Furthermore, you’ll come to terms with their features and services to help you make your pick. You don’t want to miss this vital information so ensure you stick with this post to the end.
What is Dental Insurance?
Dental insurance is a form of policy that covers the cost of dental work. Dental insurance has traditionally been separate from medical insurance. This is even though many firms offer a benefits package that combines both.
Both dental and vision insurance typically comes combined, with one policy covering both types of care.
Most dental insurance policies include deductibles that you must reach before they provide treatment. They also have benefit caps limiting how much your insurance plan will pay for adult dental care. There is no cap on how much you will spend out of pocket.
However, in the case of pediatric dental care, the situation is reversed. Here, out-of-pocket costs are limited, while insurance benefits (the amount reimbursed by the insurer) are unlimited.
Top Dental Insurance Companies
Renaissance Dental
This insurance’s in-network dentists will file paperwork and claims on your behalf. Renaissance Dental is a nationwide network of 300,000 dental offices. This company is known for its excellent customer service and offers a choice of plans for individuals and families.
Each of their plans has varying levels of coverage and inclusions to meet the needs of its customers.
Renaissance Dental has received an A+ rating from AM Best, indicating that the company is financially sound.
It also makes it easy to get a free quote online no matter where you live, making comparison shopping convenient.
Some Renaissance Dental plans do not fully cover preventive treatment, and some restoration and primary services require waiting periods. The annual maximum benefit for all Renaissance Dental insurance policies is $1,000. Individuals and families in Plan III have a $50 deductible, whereas the Essentials Plan and Plan II have none.
Cigna
Cigna is a multinational healthcare company with a solid financial condition, earning an A from AM Best. Its dental plans work with approximately 93,000 dentists around the country. It offers phone support 24 hours a day, seven days a week.
In-network dentists with Cigna dental insurance have no copays or deductibles for preventative care.
Cigna’s Dental Preferred Provider Organization (DPPO) plans are available to people of all ages and prices per person per month. Customers can also choose a treatment level according to their unique needs, with some plans offering orthodontic and restorative treatments.
Humana Dental insurance
Humana offers several PPO and DHMO plans at various price levels suitable for consumers with unique dental requirements. AM Best has given the company an A- grade, indicating that it is financially healthy.
There are over 270,000 dentists in the United States to select from. However, keep in mind that plans, coverage amounts, and policy details vary widely depending on where you live. Humana stands out for its low premiums and comprehensive preventative care coverage regardless of these differences.
Some Humana dental plans have a lifetime deductible of $50 for individuals and $150 for families. Others have an annual deductible. The maximum payout amount for this coverage might range from $1,000 to infinity, depending on your policy.
Additional waiting periods of up to 12 months for necessary treatments and six months for essential services may apply.
Physician Mutual
This organization offers senior-friendly plans covering up to 350 procedures, including crowns and dentures.
Physicians Mutual dental insurance has no deductibles, and coverage for preventive services like cleanings begins immediately. Basic dental procedures require a three-month wait, such as fillings and extractions. However, significant procedures, such as crowns and root canals, require a 12-month delay.
Physicians Mutual’s dental coverage includes no annual or lifetime benefit restrictions. Also, you can choose from a network of over 500,000 dentists.
Dental insurance is available from Physicians Mutual in three different forms. They include:
- The monthly cost of the Economy Plus plan is $30.10.
- For the Basic Plus plan, the monthly cost is $37.80.
- The monthly cost of the Preferred Plus plan is $46.75.
Preferred Plus plans offer the most reimbursement, while Economy Plus plans offer the lowest.
UnitedHealthOne Insurance
Dental insurance plans from UnitedHealthOne have no upper age limit, no deductibles, and no waiting periods for preventive services. It is a subsidiary of UnitedHealth Group, a Fortune 500 company. Golden Rule Insurance Company, a UnitedHealth Group company, may underwrite policies.
UnitedHealthOne dental insurance plans vary widely depending on where you live, including coverage amounts and other benefits. On the other hand, one firm makes it straightforward to get a free estimate online without any medical underwriting.
Specific UnitedHealthOne plans include a four-month or longer waiting time for primary care and significant services. However, the details vary depending on where you live. You may receive orthodontic coverage with specific higher-tiered insurance.
On the other hand, lower-tier plans may not cover necessary services, including braces, crowns, and bridgework. The annual maximum payout for some programs is as little as $1,000.
Spirit Dental
Spirit Dental provides no-wait dental insurance plans with annual maximum benefit levels that increase over time. It assures that everyone receives service and that vital services like dental implants receive coverage.
Spirit has access to one of the world’s largest dental networks. Interestingly, there are approximately 111,500 dental practitioners available at 428,000 access sites around the country.
The company has no waiting periods. Also, Spirit Dental has a one-time $100 deductible, rather than the annual deductibles that most coverage providers have. Its dental insurance plans provide preventative care, three cleanings per year, and children’s orthodontics.
In addition to Network plans that provide care in-network, Spirit offers Choice plans that allow policyholders to choose any dentist. Insurance costs vary depending on where you reside.
