Top dental carriers available in Texas
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 most plans
• Up to $3,000 annual max
• Large Network of Dentists
Cigna Dental Highlights:
• Nationwide network
• Up to $1,500 annual maximum
• Affordable prices
When shopping for dental insurance, choosing a plan with in-network savings will offer lower costs and help you save money. The dentists that participate in these networks agree to discounted rates (see below) for their services. These are typically referred
to as PPO plans.
As an example, for the state of Texas, the 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.
Check-ups are important, but they can be pricey, especially if you get more than one per year. On average, a dental check-up in Texas will cost $212.89. Broken down, the average cost of a dental cleaning is $94.63, while the average cost of an exam is $53.88, and the average cost of X-rays is $64.37.
With a Network plan, you can save on every aspect of your check-up when you visit an in-network dentist.
Average cost
$212.89
Network discount
40.2%
Average savings
$85.58
When you need a dental crown in Texas, if you don’t have insurance, you can expect to pay, on average, $1,157.27.
On the other hand, if you have dental insurance, you can save money when you need an expensive crown, as the average network discount in TX is 32.6%.
Average cost
$1,157.27
Network discount
32.6%
Average savings
$377.27
One of the well-known ways to replace a missing tooth is by getting a dental implant. Unfortunately, this procedure is more expensive than many people realize. On average, the cost of a dental implant in Texas is $4,297.17. Broken down, that’s an average of $721.52 for the abutment, $2,020.95 for the implant body, and $1,554.69 for the implant prosthesis.
With insurance, you can save quite a bit of money when you need an implant in TX. The average network discount is 23.7%. That’s 40% for the abutment, 17.6% for the implant body, and 30.8% for the implant prosthesis, on average.
Average cost
$4,297.17
Network discount
23.7%
Average savings
$1,018.43
The average cost of a root canal in Texas is $948.08. That can be difficult to afford if you have to pay for it entirely out of pocket.
If you have a good quality dental insurance plan in place, you can save money when you need a root canal to restore the health of a tooth. The average network discount in Texas is 35.1%.
Average cost
$948.08
Network discount
35.1%
Average savings
$332.78
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 Texas 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 typically categorized by Preventive/Basic/Major services. These follow a percentage of coverage that typically looks something like 100/80/50.
From this, you would see that your preventive cleanings would be covered 100%, a basic service (like fillings) would get 50% coverage and major services (root canals, implants) would get 25% coverage. For the major service, the carrier pays 25% of the cost, and you pay 75%.
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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