Top 7 Dental Insurance Companies

Compare Top 7 Dental Insurance Companies :

Preventive dental treatment is covered by dental insurance, while more expensive operations such as crowns, bridges, and fillings are less expensive. It’s critical to browse around for a dental insurance provider that offers the coverage you require without low yearly restrictions or exclusions that might prohibit you from receiving any benefit.

The best dental insurance plans provide a large network of dentists, fair yearly benefit limits, and the possibility of affordable rates. When looking for the finest dental insurance provider, compare and study the dental policies you’re considering so you know exactly what’s covered and what isn’t.

Best Dental Insurance Companies of 2022

*Best Overall: Cigna
*Runner-Up, Best Overall: Renaissance Dental
*Best for No Waiting Periods: Spirit Dental
*Best Value: Humana Dental Insurance
*Best for Families: UnitedHealthOne Dental Insurance
*Best for Seniors: Physicians Mutual
*Best for Orthodontics: Delta Dental

BEST OVERALL

CIGNA :

Why We Selected It:

We picked Cigna as the best overall dental insurance because of its large network of over 93,000 dentists and wide range of plans to suit a wide range of requirements and budgets.

Advantages and disadvantages

Advantages :

Restorative and orthodontic coverage are included in certain policies.
More than 93,000 dentists are part of a countrywide network.

Cons :

Major services have six to twelve month wait times.
Cosmetic surgeries and dental implants are not covered.

Overview:

Cigna is a worldwide health-care provider with a strong financial position, earning an A rating from AM Best and Standard & Poor’s.
12 Its dental plans work with a countrywide network of over 93,000 dentists and provide phone support 24 hours a day, 7 days a week, 365 days a year. Individuals with Cigna dental insurance have no copays or deductibles for preventative treatment with in-network dentists.

Consumers of all ages can enroll in Cigna’s dental Preferred Provider Organization (DPPO) plans, which are priced per person, per month. Customers can also select a degree of treatment depending on their specific needs, with some plans including orthodontic and restorative care at a greater cost.

While the price of Cigna dental insurance varies based on where you reside, the following prices might give you an idea of what to expect:

Plan	Pricing per person, per month	Preventative care covered?	Restorative care covered?	Orthodontic care covered?	Deductible
Cigna Dental 1500	Starting at $35	Yes	Up to $1,500 per year	Up to $1,000 per year	$50 for individuals and $150 for families
Cigna Dental 1000	Starting at $30	Yes	Up to $1,000 per year	No	$50 for individuals and $150 for families
Cigna Dental Preventative	Starting at $19	Yes	No	No	None

RUNNER-UP, BEST OVERALL :

Renaissance Dental

Why We Selected It:

Although Renaissance Dental does not give the same extensive coverage as Cigna when it comes to orthodontia, it is the runner-up since it has a larger network (300,000+ dental locations) and a good reputation for customer service.

Advantages and disadvantages:

Advantages :

*Some plans cover 100% of preventative care
*300,000 dental facilities around the country
*Free online quotation

disadvantages :

1. *Plans have a $1,000 yearly maximum benefit per person
2. *Orthodontic care is not covered by any plans
3. *Basic and major treatment coverage is restricted

Overview :
In-network dentists that utilize this insurance will file paperwork and claims on your behalf. Renaissance Dental works with a network of 300,000 dental facilities worldwide. This firm is noted for its excellent customer service, and it offers a variety of individual and family plans with differing levels of coverage and features to satisfy the demands of its customers.

AM Best has given Renaissance Dental an A+ grade, indicating that the firm is financially sound.

It also makes it simple to acquire a free quotation online regardless of where you reside, making comparison shopping straightforward and convenient.

Some Renaissance Dental plans do not cover preventative care completely, and some restoration and major treatments have waiting periods. All Renaissance Dental insurance plans have a $1,000 annual maximum benefit. The deductibles for the Essentials Plan and Plan II are both $0, while for individuals and families, Plan III includes a $50 deductible.

BEST FOR NO WAITING PERIODS :

Spirit Dental :

Why We Selected It:

We went with Spirit Dental since its plans don’t have any waiting periods and you just have to pay a $100 deductible once rather than every year.

Advantages and disadvantages:

Advantages :

1. Three cleanings and two examinations each year are covered at 100%.
2. There are no waiting times.
3. There is a $100 lifetime deductible.

disadvantages :

*Maximum coverage amounts might be as low as $750 per year.
*Annual maximums and expenses vary greatly among plans.

Overview:

Spirit Dental provides dental insurance with no waiting periods and yearly maximum benefit levels that grow after a few years of coverage. It ensures that everyone is accepted, and you can even acquire coverage for significant treatments including dental implants.

Spirit Dental is provided by Ameritas Life Insurance Corp., which has a financial strength grade of A+ from Standard & Poor’s and an A from AM Best.

45 Spirit’s connection with Ameritas also means that the firm has access to one of the largest dental networks in the world. You may currently pick from 111,500 dental practitioners at 428,000 access locations around the country.

Spirit Dental, in addition to not having any waiting periods, has a one-time $100 deductible, as opposed to the yearly deductibles other coverage providers have. Individual dental insurance plans from Spirit provide preventative coverage, three cleanings per year, orthodontics for children, and no waiting periods, with a $5,000 yearly maximum payout after three years as a client.

Spirit provides Choice plans, which enable policyholders to pick any dentist in addition to its Network plans, which give care in-network. The cost of insurance will vary based on where you reside. A summary of a couple of Spirit’s plans may be seen below. State-by-state availability and choices varied.

Plan	Preventative care covered?	Basic and Major care covered?	Annual maximum benefit
Network 750/1000/1250	100%	Basic care at 50%, 60%, and 80% in years one, two, and three; Major services at 20%, 30%, and 40%, in years one, two, and three	$750 in year one, $1,000 in year two, and $1,250 in year three
Network 3500	100%	Basic care at 65%, 80%, and 90% in years one, two, and three; Major services at 10%, 50%, and 65%, in years one, two, and three; Coverage for orthodontic care	$3,500
Choice 1200	100%	Basic care at 50%, 65%, and 80% in years one, two, and three; Major services at 25%, 50%, and 50%, in years one, two, and three; Orthodontic care for children ages 18 and younger at 10%, 25%, and 50%, in years one, two, and three	$1,200
Choice 1200/2500/5000	100%	Basic care at 50%, 60%, and 80% in years one, two, and three; Major services at 25%, 30%, and 50%, in years one, two, and three; Orthodontic care for children ages 18 and younger at 10%, 25%, and 50%, in years one, two, and three	$1,200 in year one, $2,500 in year two, and $5,000 in year three

BEST VALUE :

Humana Dental Insurance

Why Did We Pick It?

Because of its cheap beginning rates for basic plans, the fact that preventative treatments are covered at 100%, and the fact that certain plans offer a one-time deductible, we picked Humana as the best value.

Advantages and disadvantages:

Advantages :

*Preventive care is covered in full by the plans.

*Humana partners with almost 270,000 dentists around the country.

disadvantages :

*Benefits might be as low as $1,000 per year.

*For basic/major services, some plans have lengthy wait times.

Overview:

Humana provides a variety of PPO and DHMO plans at various price ranges that may be appropriate for customers with specific dental requirements. AM Best presently assigns the firm an A- grade, indicating that its financial strength is adequate.

You may choose from over 270,000 dentists across the United States, but keep in mind that plans, coverage amounts, and policy specifics vary greatly based on where you reside. Regardless of these distinctions, Humana stands out for its discount pricing and providing of 100 percent preventative care coverage.

Here’s a rundown of some of Humana’s plans.

Plan	Preventative care covered?	Basic and major care covered?	Deductible	Annual maximum benefit
Dental Preventive Value PPO	100%	Basic care at 50%; No coverage for major services	$50 for individuals and $150 for families	Unlimited
Dental Loyalty Plus PPO	100%	Basic services at 40%, 55%, and 70% in years one, two, and three; Major services at 20%, 30%, and 50% in years one, two, and three	$150 for individuals and $450 for families	$1,000 per person in year one, $1,250 in year two, and $1,500 in year three
Complete Dental PPO	100%	Basic care at 80% and major services at 50%	$50 for individuals and $150 for families	$1,250 per individual in year one and $1,500 in year two

BEST FOR FAMILIES

UnitedHealthOne Dental Insurance

Why We Selected It: 

We chose UnitedHealthOne as the best option for families because of its winning mix of preventive care and orthodontia coverage, which may save families a lot of money.

Advantages and disadvantages:

Advantages :

*There is a large network of dentists accessible.

*Many plans cover 100% of preventative care.

*Orthodontics are covered by several insurance policies.

disadvantages :

*The annual maximum benefit amount per individual might be as low as $1,000.

*Basic and significant services may have waiting times.

Overview:

UnitedHealthOne provides dental insurance plans with no upper age restriction and no deductibles or waiting periods for preventative services. It is a subsidiary of UnitedHealth Group, a Fortune 500 corporation.

Golden Rule Insurance Company, a UnitedHealth Group subsidiary, may underwrite policies. AM Best has given the company an A grade for financial strength.

Dental insurance plans from UnitedHealthOne vary greatly based on where you reside, including coverage amounts and other features. This organization, on the other hand, makes it simple to acquire a free quotation online without any medical underwriting.

Some UnitedHealthOne plans include a four-month or longer waiting time for basic care and significant services, while the details vary depending on where you reside. Orthodontic coverage is available in certain higher-tiered policies, while lower-tier plans may not cover important procedures like as braces, crowns, and bridgework. Some plans have annual maximum benefits as low as $1,000.

Here’s a rundown of some of United’s ambitions.

Plan	Preventative care covered?	Basic and major services covered?	Deductible	Annual maximum benefit
Essential Dental	80% during year one, 90% in year two, and 100% in year three	Basic services at 50%, then 65%, and finally 80%; No coverage for major services	$50 per person	$1,000 per person
Premier Choice Dental	100%	Basic services at 50% in year one, 65% in year two, and 80% in year three; Major services at 10% in year one, 40% in year two, and 50% in year three	$50 per person	$1,500 per person
Premier Max Dental	100%	Basic services at 50% after 4-month waiting period, 65% in year two, and 80% in year three; Major services at 50% after 12-month waiting period, 60% in year three	$50 per person	$3,000 per person

BEST FOR SENIORS :

Physicians Mutual

Why We Selected It:

We selected Physicians Mutual for seniors because the coverage has no annual or lifetime restrictions, includes benefits to assist pay for dentures, and has tailored pricing for a senior’s budget.

Advantages and disadvantages:

Advantages

*There is no waiting period for preventative services.

*Benefits have no annual or lifetime restrictions.

*There are no deductibles.

disadvantages :

*Basic procedures have a three-month waiting time.

*For substantial work, there is a 12-month waiting time.

*Limits on the amount of money they can spend for each operation

Overview

Physicians Mutual dental insurance has an A rating from AM Best, indicating that the firm is financially sound.

This company also offers plans that are especially beneficial to seniors because they cover up to 350 operations, including crowns and dentures.

Physicians There are no deductibles with Mutual dental insurance, and coverage for preventative services like cleanings begins immediately. Basic dental procedures such as fillings and extractions have a three-month waiting time, whereas significant procedures such as crowns and root canals have a 12-month waiting period.

Your coverage with Physicians Mutual has no annual or lifetime benefit restrictions, and you may pick your dentist from a network of over 500,000 providers.

Physicians Mutual provides three different types of dental insurance. These are some of them:

1. The Economy Plus plan is available for $30.10 per month.
2. The monthly cost of the Standard Plus plan is $37.80.
3. The monthly cost of the Preferred Plus plan starts at $46.75 per month.
4. You’ll be compensated for preventive care, basic care, and major treatments at a defined rate according on the plan you choose with each of these options.
   Preferred Plus plans reimburse at the greatest rate, while Economy Plus plans reimburse at the lowest rate.

BEST FOR ORTHODONTICS:

Delta Dental

Why We Selected It:

Delta Dental offers a variety of dental insurance plans that include orthodontic treatment for both children and adults, however most other providers don’t provide as many cheap orthodontic options.

Advantages and disadvantages:

Advantages :

*Orthodontic treatment is included in certain plans.

*Most plans have no out-of-pocket costs for preventative care.

*There is a big provider network.

disadvantages :

*The annual maximum benefit amounts are insignificant.

*Only half of orthodontic treatment is covered.

Overview :
Delta Dental is a member of one of the biggest dental provider networks in the country, with more than 152,000 dentists to select from. Delta Dental also has an A rating from AM Best, indicating the company’s financial soundness.

While plan details vary by state, Delta Dental provides a variety of insurance alternatives, including those that cover orthodontic treatment. Orthodontics, for example, are covered at 50% for children and adults under its individual PPO plans. There is a $50 deductible and a $1,500 yearly cap for care.

Cleanings and X-rays are covered 100 percent, while all other basic and important services, like as root canals, implants, and crowns, are covered 50 percent.

State-by-state pricing and plan options differ. Visit Delta Dental’s website to learn what services they provide in your area.

Compare the Best Dental Insurance Companies :

Company	Coverage Limit	Providers In-Network	Plans	Deductible	States Available
Cigna Best Overall	$1,500 for restorative care $1,000 for orthodontic	93,000	3	$50 individuals $150 families $0 for preventative plan	50
Renaissance Dental Runner Up, Best Overall	$1,000	300,000	4	$50 for individuals or families	50
Spirit Dental Best for No Waiting Periods	$5,000 after 3 years	111,500	16	One time $100 deductible	50
Humana Dental Insurance Best Value	$1,000 to unlimited	270,000	6	$50 for individuals $150 families	50
UnitedHealthOne Dental Insurance Best for Families	$3,000	100,000	10	$50 per person	50
Physicians Mutual Best for Seniors	Unlimited	500,000	3	None	50
Delta Dental Best for Orthodontics	$1,000 to unlimited	152,000	5	$50 for PPO plans	50

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