Cigna scored poorly for plan variety, offering only three plans and no bundling options or loyalty plans. However, its PPO plans boast one of the nation’s largest networks and high annual coverage limits.
Preferred Provider Organization (PPO) plans allow you to visit out-of-network providers at reduced costs; however, these plans often feature maximum annual coverage limits and waiting periods.
1. Humana
Humana stands out among competitors with its wide variety of plan options, expansive provider network and unique features like lifetime deductibles and rising annual maximums. All these advantages contribute to Humana’s high overall score; however it’s wise to compare its plans against similar offerings to ensure you’re receiving maximum value.
Humana offers PPO plans with comprehensive preventative coverage with no waiting period or maximum out-of-pocket expenses when choosing preventative services, while their Bright Plus and Complete Dental PPO policies cover 100 percent basic and 80 percent major services after meeting your deductible. In addition, Humana has an amazing policy to reduce out-of-pocket expenses when visiting in-network providers by covering up to 20 percent – much better than most competitors’ maximums!
Humana stands out from the competition with its online quote tool, enabling customers to easily receive quotes and find in-network dentists quickly and easily. This feature makes shopping online for dental insurance much simpler; additionally, Humana provides a mobile app which makes viewing and managing dental plan information even simpler on-the-go.
Insurance Alternatives and Reputation and Reliability were strong indicators, with high scores for Reputation and Reliability and customer service ratings from J.D. Power – impressive considering its relatively short history – being highlighted. Unfortunately, they do not yet offer plans on eHealth, thus restricting their reach further; also worth noting is that most plans may not be available everywhere in all states.
2. Cigna
Cigna offers comprehensive dental plans at competitive premiums, boasting high annual maximums, low deductibles and copayments, customer satisfaction ratings of 9.8, as well as nationwide networks of dentists to serve its members. Their PPO plan offers no waiting period for preventive or basic restorative care and has an annual maximum of $1250 with coverage for 50% basic services such as root canals.
This insurer offers California adults their cheapest sample dental insurance quote at $21 a month with a $100 deductible, making this plan very appealing. Unfortunately, their maximum annual limit falls slightly short of average for their group and has an 18-month waiting period before major procedures can take place.
This company also offers two HMO plans with shorter waiting times and lower deductibles; their DHMO plans offer similar benefits while having a smaller provider network; you should compare prices among different options to find the one offering the greatest value for your money.
Cigna may not offer the widest range of dental plans, but its Physicians Mutual Economy Plan remains one of the most economical plans available and boasts no waiting period for either basic or major care and costs roughly 25% less than most procedures. Furthermore, its complaint rate remains relatively low and this provider remains one of the oldest and most reliable dental insurers available today.
Aetna provides individuals who prioritize affordability with straightforward dental coverage a great option. Their PPO plans have competitive yearly maximums and no waiting period for preventive visits compared to some competitors, but may fall below. In addition, Aetna boasts an extensive network of dentists as well as offering their Healthy Rewards program that promotes wellness.
3. Aetna
Aetna offers an expansive selection of dental insurance plans designed to meet the needs of both individuals and organizations, and we at Making You Smile Cosmetic Dental Studio are proud to accept them all. Their premium rates are especially reasonable for seniors, while they provide access to an impressive network of dentists – some offering no waiting periods at all for major work as well as denture repair/replacement benefits.
Aetna earned fourth place overall due to strong performances in Insurance Alternatives and PPO Costs, along with strong reliability and customer service standards, offering discounts and loyalty programs as a means of saving on dental care services.
They provide an array of dental insurance plans, from preferred provider organization (PPO) plans that allow you to select any dentist within their network to dental health maintenance organization (DHMO) plans and fee-for-service plans that pay set amounts per service depending on procedure type. They also offer Medicare Advantage plans designed for those living with end stage renal disease or amyotrophic lateral sclerosis.
At each company, we considered their plan variety, deductibles and annual coverage limits offered. HMOs, PPOs or indemnity plans offer different maximum amounts they cover for each service; we took these details into consideration along with bundling options or loyalty programs offered by each provider as well as customer satisfaction rating determined by J.D Power’s 2023 Dental Insurance Plan Satisfaction Study results. Finally, we analyzed their financial stability and history of paying claims.
4. Renaissance
Renaissance Dental provides seniors across the country with various plan options tailored specifically to meet their dental needs, with unrivaled customer service and generous coverage allowances.
Renaissance plans typically cover an array of procedures associated with oral health, from preventive care and basic procedures to major surgeries. Most dental insurance policies feature deductibles and co-pays that determine how much patients must pay out-of-pocket before their insurer covers the bill; additionally, these plans typically have annual coverage maximums that cap how much will be covered by each plan.
Renaissance offers its customers more than traditional insurance coverage; we also provide discount programs and supplemental options that may reduce out-of-pocket expenses for dental care services, providing significant savings, especially for seniors needing costly or complex procedures.
Renaissance’s plans offer immediate dental care without waiting periods, making them especially helpful for seniors in need of urgent dental attention. PPO plan options from Renaissance are popular due to the large network and competitive rates. Furthermore, participating dentists will file claims directly for patients without needing paperwork completed or waiting for reimbursement reimbursement.
Renaissance has been operating for more than 55 years and boasts an A rating with AM Best, which attests to their stability and longevity in an ever-evolving insurance market. Renaissance has also expanded their product offering with dental, vision, life, disability coverage – providing them with an edge against competitors in an expanding marketplace.
5. Surebridge
SureBridge was established in 1956 as part of the Global Atlantic Financial Group and today provides both insurance and non-insurance products, such as dental plans. Their dental plans aim to help individuals and families cover part or all of their oral healthcare expenses such as preventive services, basic and major procedures; additionally they usually allow customers to select their preferred dentist care providers.
Preferred Provider Organization (PPO) and Dental Health Maintenance Organization (HMO) plans are among the most prevalent dental insurance plans. Usually these plans consist of an agreement among dentists who agree to offer their services at reduced rates; policyholders can visit dentists either within their network or outside, although out-of-network services will usually cost more.
SureBridge provides both dental-only plans and combined dental, vision and hearing plans. Their most comprehensive plan, the Loyalty Plus PPO provides coverage for preventive services as well as 80% of basic procedures and 50% of major procedures – though its coverage amounts may be generous, its deductible is higher than most competitors.
Selecting the ideal provider for a dental plan requires taking into account each individual’s needs, costs and preferences. When reviewing potential plans it is essential to evaluate their reputation and reliability as well as customer satisfaction levels, plan variety offered, PPO costs, waiting periods and maximum benefit limits – using these criteria one can identify the top five dental insurers that will give them peace of mind in covering their dental health needs.
