Before choosing a dental insurance plan for yourself or your family, take into account their dental history and current needs. Compare annual maximums, deductibles, copays and provider networks until you find one that best meets them all while staying within your budget.
Fee-for-service dental plans allow you to select any dentist of your choice and pay only a set percentage of procedure costs, meaning your overall out of pocket costs are reduced significantly. They’re an ideal way to bypass premiums and deductibles altogether!
1. Anthem
Anthem Dental Insurance stands out amongst their competitors as a premier dental provider, particularly for individuals purchasing coverage either through work or independently. Their plans and services cover an extensive array of benefits with online tools designed to help individuals better understand them as well as tools designed to maximize coverage. In addition, Anthem offers several coverage options tailored specifically for individual needs and budgets while individual details may differ depending on where an individual lives.
Essential Choice PPO plans provide up to 100% coverage of preventive services like annual exams, cleanings and x-rays while offering a low deductible, typically $25 per person annually for plan years. Higher-tiered plans from this company may have higher deductibles and annual maximum limits that limit coverage for procedures such as dentures or crowns.
The company’s online tools make it simple for members to take control of their dental health and manage expenses, including an overview of current coverage and any amounts due. They also enable quick searches by zip code for an in-network dentist.
Alongside their standard dental plans, they also offer add-on coverages such as orthodontic or vision benefits – essential considerations for those requiring extensive treatments. And for those who don’t require full coverage dental insurance policies, there’s also an affordable discount card which can save individuals an average of 10% to 20% off the cost of dental care costs.
Health plans offering limited or no dental coverage provide stand-in dental plans which are available year round and offer everything from preventative visits to more involved procedures such as root canals.
2. Humana
Humana offers dental coverage to individuals and families across the US, with plans offering budget-friendly monthly premiums and office visit copays at affordable monthly premium rates. In addition, several plans provide orthodontic and restorative care – Bright Plus Veterans plan has no deductible while Loyalty plan features one-time rather than annual deductibles – while their extensive network includes over 335,000 participating dentists in its various networks.
As an added benefit, most of this company’s dental insurance plans do not impose waiting periods for basic services, like exams and cleanings, as well as major treatments like fillings and crowns – making them more cost-effective than many other providers.
Humana offers Medicare beneficiaries who require dental coverage the option of purchasing dental coverage through Preferred Provider Organization (PPO) or Part D plans. These plans allow patients to visit any dentist they choose; however, additional discounts will be applied when using in-network providers.
Delta Dental, another top-rated dental insurance provider, boasts an expansive nationwide network of over 152,000 dentists and can offer savings on both preventive services and major ones through its Preferred Dentist Program. Their Simple Choice dental plan features fixed price coverage with no deductible for in-network dentist visits – earning Forbes JUST 100 honors as an indicator of responsible capitalism. When searching for dental coverage policies it is important to take all factors involved into account such as monthly premiums, deductibles and annual maximums into consideration as competition may differ between states.
3. Delta Dental
Delta Dental offers decades of experience and provides numerous forms of coverage, from immediate coverage plans with no waiting period and PPO plans with discounted options to network options like Preferred Provider Organization plans (PPO). They even have their own version of an HMO plan: Delta Care which offers similar coverage at lower cost points.
Delta Dental provides its members with various benefits depending on the type of insurance purchased, including various coverage options and an extensive provider network as well as discounts at in-network dentists. Their Delta Dental Patient Direct plan offers managed fee-for-service options where members pay discounted fees directly to the dentist at time of service and then are reimbursed accordingly by Delta Dental’s insurance company.
Delta Dental enjoys an outstanding customer satisfaction rating on Trustpilot and an outstanding reputation for quality of service, but has experienced some issues regarding customer complaints. Notably, Delta Dental does not hold Better Business Bureau accreditation and holds an F rating on that site with customers complaining of long wait times when trying to contact someone and inaccurate claims being processed by them.
While some may feel it’s unnecessary to purchase dental coverage due to cost concerns, studies show that most are far better off investing in it. Families with dental coverage are twice as likely to visit the dentist for preventive care than families without it, helping prevent costly oral issues in the future and speeding treatment when necessary. It can also save significant sums over time as dental expenses can quickly add up.
4. Cigna
Cigna offers a comprehensive selection of plans to choose from, making them an excellent option for families. Their Dental PPO (DPPO) plan, in particular, features no deductible and has been highly rated by previous customers – making it one of the best solutions available to those looking for more cost-efficient premiums and co-pays.
Delta Dental Preferred Provider Organization (DHMO) plans and discount dental plans are excellent options for seniors. While DPPO plans allow anyone to access providers, DHMO plans require you to select a primary care dentist with lower out-of-pocket costs when selecting in-network providers; their discount dental plan offers up to 35% savings off regular prices for services including orthodontics and oral surgery.
Both companies boast large networks of dental providers, though their coverage varies considerably. Delta Dental boasts over 152,000 dentists in its network while Cigna boasts over 500,000. Delta also offers an HMO plan with lower out-of-pocket costs and lower deductibles than DPPO or DHMO options.
Cigna is generally financially secure and receives positive customer reviews, yet some customers have reported difficulties with their coverage. They have complained of delays in processing claims and difficulties getting needed services covered; being charged for services they didn’t receive or paying high premiums while receiving only limited benefits each month are also among their top complaints. Regardless, it is still wise to compare costs and benefits before selecting an insurance plan provider.
5. Renaissance Dental
Renaissance Dental Insurance boasts an outstanding customer service record and offers a broad selection of dental plans, such as PPOs with higher annual coverage limits than many competitors. They also offer insurance alternatives which may appeal to seniors looking for ways to offset dental care expenses without spending too much for coverage.
Renaissance Dental Insurance plans vary in benefits depending on your state of residence; however, most plans offer no waiting periods for preventive services and an annual $1200 orthodontic lifetime benefit. Furthermore, they feature comprehensive coverage, consistent reimbursement rates, a large network of providers, flexible payment options such as interest-free financing as well as comprehensive reimbursement rates and reimbursement rates that stay consistent over time.
This insurance provider has been around for more than 60 years and enjoys a strong standing among both consumers and brokers alike. They provide affordable health and vision plans as well as Medigap policies; plus an online portal to manage claims.
PPO and HMO plans from the company offer cost control and transparency. Members select their primary dentist as the liaison for referrals to specialists when needed; their primary dentist then pays discounted rates for these services – saving members hundreds annually on dental bills.
New York residents who purchase MAX Choice Plus dental PPO coverage from this insurance provider can take advantage of its no waiting period or annual maximum benefit for preventive services – plus its network includes over 60,000 dentists nationwide! Furthermore, its member portal makes claims management and dentist locator easier.