7 Best Dental Insurance Providers

Although many variables will determine which dental insurance plan is best for you, our reviewers found that Delta Dental and Anthem are the two best options. Your location, whether you are buying the plan for yourself or your family if dental insurance is provided by your work, and the kind of dental treatment you require are all important considerations when choosing your dental insurance provider.

Organizations such as Renaissance Dental and MetLife Dental give access to extensive provider networks, while UnitedHealthcare, Cigna, and Delta Dental offer policies with no waiting time for consumers seeking preventative treatment. If you want to have access to digital tools and resources, Anthem is also a fantastic choice.

Best Dental Insurance Provider

• Delta Dental
• Anthem Blue Cross Blue Shield
• Humana Dental
• Renaissance Dental
• MetLife Dental
• UnitedHealthcare
• Cigna Dental

1.      Delta Dental

Starting rates; actual rates differ based on age, geography, and other variables.

Delta Dental, the biggest dental insurer in the US, provides complete dental coverage in all states, Puerto Rico, and other US territories through its network of 39 separate dental insurance firms. More than 150,000 dentists countrywide who participate in the network of the company provide dental care to nearly 80 million patients.

In addition to managed fee-for-service and discount plans, Delta Dental provides HMO and PPO plans.

Pros

• Vast network including around 150,000 suppliers.
• Plans for discounts offered: Clients have a selection of participating dentists who provide discounted rates.
• Based on 495 reviews of Consumer- Affairs from the prior year, it received a grade of 4/5.
• AM Best has rated A (excellent) financial strength.

Cons

• Low maximum benefits: many policies have a $1,000 maximum
• Cost-sharing and restricted coverage for orthodontic care

2.      Anthem Blue Cross Blue Shield

Anthem Insurance Company is a prominent insurance provider in the United States, providing insurance coverage to 42 million individuals across 14 states.

Participants can choose from a variety of dental insurance plans and have access to other vital services and helpful digital tools.

The scale of the Anthem corporation sets it apart from other insurance providers in a significant way.

 The business provides one of the biggest networks of dental providers in the nation and is a component of the bigger Blue Cross Blue Shield Association. Anthem insurance has various drawbacks as well, such as non-customizable plans and restricted availability in specific areas of the nation.

Pros

• An excellent choice for anyone in need of typical insurance policies and coverage
• Combined with eyesight and health policy
• A segment of the vast network of Blue Cross Blue Shield corporations

Cons

• Restricted availability in just 14 states
• Not appropriate for small businesses or customized coverage
• millions of users were impacted by a 2015 data leak.

3.      Humana Dental

Humana Inc., a rising star in the US health insurance market, was established in Kentucky, has around 20 million members, and holds an approximate 8% market share.

 It offers a vast network of 260,000 dentists nationwide as well as a variety of dental plans. Humana provides value, discount, DHMO, and PPO plans to suit all budgets.

Pros

• Extensive network with 260,000 dentists
• provides a large selection of possibilities, such as veteran’s plans
• A yearly allowance for in-office teeth whitening procedures is provided by many policies.
• AM Best rates the financial soundness of Humana’s dental businesses as A- (very good).

Cons

• Minimal maximum gains
• Restricted availability of main services  
• Not all states provide every programmed and benefit.

4.      Renaissance Dental

Over 13 million people are insured nationally by Renaissance Life & Health Insurance Company of America, based in Indiana. It provides access to 300,000 dental professionals around the country.

Along with a Healthy Savings Card that is accepted at more than 175,000 participating businesses, Renaissance Dental Insurance provides a respectable assortment of dental insurance plans.

The business takes pride in its excellent customer service, having resolved 99% of calls on the first try last year.

Pros

• Preventive and diagnostic treatment are provided without waiting periods.
• There are plans without a network where users can select any provider.
•  extensive network providing access to more than 300,000 dentists
• Provides covering for crowns and implants.
• AM rates AM’s financial strength as A (excellent). Best 3.9 out of 5 stars on ConsumersAdvocate.org based on 17 reviews.

Cons

• the minimum- annual benefit of $1,000

5.      MetLife Dental

There are hundreds of dentists in the MetLife dental insurance network, so you may search for the one you need by ZIP code, specialty, or even language. In-network providers are fully covered for the majority of cleanings and examinations.

 You may view both in-network and out-of-network providers with MetLife, but by sticking within the network, you will save the most money. MetLife’s in-network relationships may result in cheaper fees for you as a member.

Your out-of-pocket dental care expenses will be decreased thanks to these negotiated prices, which are typically 30% to 45% less than the average.

MetLife is a wonderful option for companies looking to provide additional perks and coverage to their staff members.

Pros

• Provides a range of dental insurance options, including government, individual, employer-provided, and veteran coverage.
• Select dental care providers who are in-network or out-of-network.
• To reduce pricing misunderstanding, different service treatments and goods will have fixed rates.
• 4.4 stars, based on 56 reviews, are given on Consumers-Advocate.org.

Cons

• Less individual than group dental plans
• The customer care web site is more geared towards corporations and employees than it is for individual members, and pricing information isn’t entirely accessible online.

6.      UnitedHealthcare

One of the top three insurance companies in the US is UnitedHealthcare, which is based in Minnesota. Dentists nationwide who are participating are able to access the UnitedHealth One provider network.

Preventive treatment is frequently covered by UnitedHealthcare dental insurance without a waiting period or deductible. The company’s dental insurance policies have no upper age restriction.

Pros

• On the firm website, obtaining quotations for dental insurance policies is simple.
• Vast network of providers via UnitedHealth One
• Preventative treatment is frequently paid for with no waiting time or deductible.
• 4/5 stars on Consumer Affairs, according to 373 reviews left during the previous year
• AM Best has rated A (excellent) financial strength.

Cons

• Major services are not covered by dental insurance plans with cheap monthly rates.
• Restricted alternatives for major operations and orthodontic treatment
• Certain dental insurance policies only begin to pay for significant procedures following the first year that a client enrolls in the plan.
•  Minimal yearly maximums

7.      Cigna Dental

Cigna, a leading medical insurance company in the US, provides dental coverage to over 17 million people. The Connecticut-based company’s dentistry plans start at $19 a month on average, and it has 93,000 dentists in 297,000 locations worldwide as part of its provider network.

Plans often have twelve-month waiting periods for basic services and six-month waiting periods for major and orthodontic operations.The only dental insurance plan that covers braces and other orthodontia (albeit a 12-month waiting period applies) is Cigna Dental 1500, the company’s best dental insurance policy. It provides complete dental coverage for people.

Pros

• No need for a main dentist
• No recommendations are required to see a specialist.
• Network comprises more than 93,000 dentists.
• 53 user evaluations on Consumers-Advocate.org give it a rating of 4.2 stars out of 5.
• AM Best has rated A (excellent) financial strength.

Cons

• For restorative and orthodontic procedures, there are 12-month waiting periods that might differ by state.
• Fewer plan alternatives than those offered by other dental insurance providers

FAQS

What is the cost of dental insurance?

The average monthly premium for dental insurance is between $25 and $50. Upon reaching the yearly maximum on your dental insurance, you could have to cover the costs out of your own money.

Is standalone dental insurance available?

Dental coverage can be purchased- alone, as a stand-alone programme, or as a part of a health plan.

Is getting dental insurance a good idea?

Absolutely, as it may serve as a powerful motivator to maintain your scheduled visits for preventative care as well as help you save money on dental operations. You’re more likely to visit the dentist if the insurance has already cost you money. In the long term, spending less on cleanings and X-rays can assist avoid having to pay more for more involved and expensive dental operations.

Which dental insurance has the lowest waiting period?

You may have to wait many months for some services to be covered by dental insurance policies, which means you may have to put off important operations or pay for them all out of cash. The no-wait dental insurance- begins on the first day of coverage.

There is no waiting time for dental insurance plans offered by several dental insurance providers, including Cigna, Delta Dental, Humana, and Renaissance Dental.

Conclusion

In 2013, those without dental insurance coverage paid, on average, between $685 to $1,624 a year for market-value dental care, according to estimates from the American Dental Association.

Dental care is the health service that most age groups struggle to afford, however children are less financially disadvantaged than working-aged people and the elderly since typical dental prices rise with age.
The longer you put off visiting the dentist, the worse the effects will be. Regular dental appointments can help avoid cavities, plaque development, and the late identification of oral cancer.