You know how important it is to maintain the health of your teeth and gums, but you’re also aware of how expensive a trip to the dentist can be. From preventive care to major services, the costs quickly add up, and it can sting if you’re paying for it all out of pocket.
The solution is simple: sign up for one of the best dental insurance plans that will give you the coverage you need at a price you can afford. To begin, take a look at our picks of some of the best dental insurance companies you can choose from.
6 of the top dental insurance carriers
When you’re on the hunt for the best dental plans available, consider checking out options offered by the following providers:
If you tend to need expensive treatments, you can get a lot of coverage with Denali. They have one of the highest annual maximums (up to $6,000), so you can worry less about hitting that max and focus more on getting the care you need. Plus, there are plans without any waiting periods, coverage for orthodontics for kids and adults, and a large network of dentists to choose from. And you get four cleanings annually.
2. Spirit Dental
Spirit Dental is another dental insurance provider that offers comprehensive plans that cover everything from child orthodontics to dental implants. There aren’t any waiting periods, they cover three cleanings annually, and you can find plans that let you select any dentist if you don’t want to choose from a network. Plus, the annual maximum is up to $5,000, so this is another great option if you need to see the dentist often.
With Renaissance, you can enjoy the perks of a high annual maximum (up to $3,000) and no waiting periods. Preventive cleanings are covered, and you can select from plans that cover major services too. If your kids need orthodontics, this insurer can help cover the cost. Plus, if you want to be able to choose any dentist, you have that option as well.
4. Delta Dental
There are various Delta Dental plans available, so reading the details carefully will help you decide on the one that’s right for you. Some plans have waiting periods, but this provider does offer a wide network of dentists to choose from, and the annual maximum is up to $2,000. Plus, the benefits you receive for basic and major services will increase each year, up to the third year.
For affordable dental insurance, see if Argus is available in your area. With an unlimited annual maximum, no waiting periods, no deductible, and no exclusions for pre-existing conditions, this provider offers a lot of perks. Plus, because the plans work on a fee schedule, you’ll know how much a trip to the dentist will cost before you go.
6. California Dental
California Dental offers plans with an unlimited annual maximum, no waiting periods, no deductibles, and low copays. Low premiums also help make this an affordable option to consider if you’re on a budget. Plus, they even have a plan that covers dental implants and cosmetic services like teeth whitening, which many providers don’t cover.
Is it worth paying for dental insurance?
Most dental care isn’t covered by medical insurance, so enrolling in a plan offered by one of the dental companies in your area is wise.
Even when you factor in out-of-pocket expenses, such as premiums, copays, coinsurance, and deductibles, you may be able to save quite a bit if you select the right plan with the right amount of coverage.
To estimate how much you might save, consider the cost of basic preventive care, such as checkups, X-rays, and cleanings, and think about how expensive fillings, root canals, and other restorative procedures can be. With the help of insurance, you won’t need to pay for it all on your own.
What Is the best dental insurance for you?
The ideal dental insurance plan is the one that gives you plenty of coverage at an affordable price. You should feel assured that you’ll be able to save money whether you need to go to the dentist for a cleaning or you need to replace a missing tooth with a dental implant.
Some plans provide more coverage than others, so compare options carefully. For example, while one plan’s premium might be more affordable than another, it might only cover basic services while falling short on more expensive treatments like bridges and crowns.
In addition to analyzing dental plans based on costs and coverage, consider the network of dentists. For example, would you be fine with choosing from a limited network of dental professionals or do you want to be able to use any dentist?
Other factors to consider include the annual maximum, whether or not there are long waiting periods before coverage kicks in, and whether or not orthodontics are covered.
Is there a dental plan that covers everything?
Yes, you can find comprehensive dental plans that will cover everything, including preventive care, basic services, and major services. These types of policies might also provide extra coverage for things like orthodontics too.
Even with a comprehensive plan, it’s important to read the fine print to know exactly what you’re getting and what you’ll be expected to pay out of pocket. For example, you might find plans that cover 100% of preventive care, 80% of basic services, and 50% of major services.
What’s an easy way to shop for good dental insurance?
When you’re ready to look for the best dental insurance, use the Direct Benefits Marketplace to narrow down your options and compare them with ease. That way, you’ll be able to determine which plan will help you save the most money.