Top dental carriers available in Pennsylvania
Delta Dental Highlights
• Top network of dentists
• Up to $2,000 annual max
• Large Network of Dentists
Spirit Dental Highlights:
• No waiting period
• Up to $5,000 annual max
• Large Network of Dentists
Renaissance Highlights:
• No waiting period some plans
• Up to $3,000 annual max
• Large Network of Dentists
In-network plans give you more savings on your dental bill with lower negotiated rates when you visit an in-network dentist.
As an example, for the state of Pennsylvania network Spirit plans are shown below with the in-network savings you’ll receive by procedure. You can also check out the average cost you’ll expect to see. *All plans you see below are Spirit Dental.
The average price of a dental check-up in Pennsylvania is $203.90. That breaks down to an average of $90.53 for a cleaning, $51.77 for an exam, and $61.60 for X-rays.
With a Network plan, you can save on every aspect of your check-up when you visit an in-network dentist.
Average cost
$203.90
Network discount
42%
Average savings
$85.64
If you need to restore a tooth with a crown, and you need to pay for it out of pocket, be aware that the average cost for this procedure in Pennsylvania is $1,108.41.
Dental insurance can help make getting a crown more affordable. In PA, the average network discount for a dental crown is 36%.
Average cost
$1,108.41
Network discount
36%
Average savings
$399.03
Dental implants are expensive, and in Pennsylvania, the average cost of an implant is $4,083.67. This breaks down to an average cost of $788.97 for the abutment, $1,920.69 for the implant body, and $1,374 for the implant prosthesis.
The right dental plan can help you save a lot of money when you need dental implants. What is the average network discount for a dental implant in PA? It’s 27.2%, and this can be broken down into 52.7% for the abutment, 19.4% for the implant body, and 32.8% for the implant prosthesis.
Average cost
$4,083.67
Network discount
27.2%
Average savings
$1,110.76
If you need a root canal in Pennsylvania, it is important to know that the average cost is $953.69, so it can be difficult to pay for this procedure totally out of pocket.
With the support of dental insurance, you can take advantage of an average network discount of 30.8% when you have to go through a root canal procedure in PA.
Average cost
$953.69
Network discount
30.8%
Average savings
$293.73
The best dental insurance depends on your needs, your situation and your location.
Your needs
Dental insurance covers a vast array of tooth issues and prevention. From cleanings to fillings, root canals to implants, dentures to braces, these procedures and services can add up. Which dental insurance plan you choose may depend on the need you have and the amount the insurance will cover.
Your situation
Do you need a dental procedure ASAP? Some dental plans offer no waiting periods. Are you thinking you’ll need dentures in a few years? Some plans offer increasing benefit coverage after year one. For family dental plans, some plans offer orthodontia coverage and major services for wisdom teeth.
Further, there are also full coverage plans that cost a bit more, but you’ll receive more dental benefits—multiple preventive cleanings covered 100%, major services coverage with no waiting periods, orthodontia, etc. Alternatively, there are also plans that have a limited network of dentists but offer low monthly costs and discounted rates for specific procedures.
Your location
When you shop for dental plans, you’ll find that plans have benefit-limits on which dentist you can visit. Some plans have large networks, and some plans have small networks. If you visit an in-network dentist with your plan, the benefits will be greater than if you see someone out-of-network. Your location may help you determine which plan is best for you.
The cost of dental insurance in Pennsylvania is determined by premiums (monthly cost) and out-of-pocket costs that vary by plan. What are some of these out-of-pocket costs?
Coinsurance
Coinsurance is the split cost of what the plan pays and what you pay. Dental insurance is categorized into dental classes: Preventive, Basic and Major services. Depending on the dental class will determine your coinsurance percentage.
Copay
A copay is the cost you pay to your dentist for each visit.
Deductibles
Deductibles are a yearly or one-time fee that must be paid before the insurance company covers your dental procedure or service.
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