#Best rated dental insurance plans Best rated dental insurance plans



Best rated dental insurance plans

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Best Dental Insurance Companies

Updated on 03/12/2019

Dental insurance plans cover a percentage of dental care expenses in exchange for a monthly premium. Dental insurance companies separate dental care services and benefits into various categories, and both dental offices and dental insurance companies have established fees for these services.

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Compare Top Dental Insurance Companies

Based in Kentucky, Humana Health Insurance has over 50 years of experience offering dental plans. No underwriting or pre-enrollment checks are required to qualify for coverage through its network of more than 130,000 dentists.

Aetna is a large health insurance company founded in 1853 in Hartford, Connecticut. The provide individuals, employers, healthcare professionals and other customers with healthcare and medical services.

Cigna is an insurance company that works with 35,000 employees to provide healthcare products and services to more than 75 million customers. They exist in 30 countries and have been working with patients for over 200 years.

Delta Dental has over 60 years of experience covering individuals, groups and employers. The company is one of America’s largest insurance companies, providing coverage to more than 59 million people.

DentalPlans.com was formed in 1999 to give more people access to high-quality dental care through multiple plans. Dentists within each plan provide discounts on their services, eliminating the need for insurance companies.

United Healthcare is one of America’s largest providers of individual and family dental insurance plans. It has been recognized by Fortune magazine as one of the top-ranking companies in the insurance and managed care sector.

Founded in 1868 and headquartered in New York, MetLife provides competitively priced dental insurance plans to individuals and families. The company has over 190,000 dentist office locations in its nationwide network.

Founded in 1979 and based in Texas, Careington provides dental discount plans for underinsured and uninsured individuals. Also, dental insurance plans are administered through its subsidiary, Careington Benefit Solutions.

Founded in 1955 and headquartered in Columbus, Aflac provides supplemental insurance coverage for a variety of diagnostic and preventive dental care services, with no pre-certification requirements, deductibles or networks.

Since 1989, DentalWorks has built a large network of dentists across 13 states. The company’s affiliated dentists are preferred providers for many major dental insurance plans, including Humana and Delta Dental.

How much is dental insurance?

On average, dental insurance costs $14–$30 per month for an individual or $27–$56 per month for a family. In addition to a monthly premium payment, there is usually a co-payment at each visit and a coinsurance responsibility. Your dental insurance plan might include two routine cleanings, which can cut down on additional dental procedures throughout the year.

  • Deductible: This is a specific dollar amount customers have to pay out-of-pocket before the insurance company begins making payments for any claims. It is not part of the copayment.
  • Copayment: This is a fixed amount paid at the time of the dentist’s visit. It is a separate charge and not applied toward your deductible, which you need to reach before insurance kicks in.
  • Coinsurance: Given as a percentage, coinsurance is what the client has to pay after satisfying the co-payment and/or deductible for the plan. This can vary for different services.
  • Maximum out-of-pocket cost: Maximum out-of-pocket cost represents the total amount policyholders will have to pay for dental care throughout the year.

What does dental insurance cover?

Dental insurance coverage

In general, dental insurance plans cover preventive care and basic procedures. It is important to sign up for a dental insurance plan that covers any procedures needed in the near future. So, it is crucial to check the benefits and services offered before choosing the best dental insurance plan for your needs.

  • Preventive care/exams: There is usually coverage for preventive care services such as routine oral examinations, periodontal examinations, X-rays, general cleanings, topical fluoride treatment and sealants.
  • Basic procedures: Basic procedures, such as emergency care, extractions, fillings, space maintainers, minor oral surgery and crowns, are sometimes covered. For good coverage of basic procedures, consumers may need to pay more.
  • Major procedures: Generally, only top-of-the-line coverage handles major services. Common major procedures that are covered by more comprehensive dental insurance plans include crowns, bridgework, dentures, periodontal cleanings, gum therapies and root canals.

Dental insurance exclusions

From gold crowns to failure to keep an appointment, dental insurance companies always write in a list of exclusions. You’re responsible for reading and understanding what’s on your insurer’s list.

  • Cosmetic dentistry: Teeth whitening, bonding, enamel shaping and contouring, dental implants and orthodontics are some examples of cosmetic services that are typically not covered by plans.
  • Annual maximum benefit: The maximum benefit refers to the highest dollar amount the dental insurance firm will pay per family member per year. It is usually a part of PPO plans. This is a very important consideration as the cost of major oral surgery, once the maximum annual benefit exceeded, could fall mainly the patient’s responsibility with such a plan.
  • Specialties: Basic dental plans typically exclude orthodontics, endodontics, periodontics and prosthodontics.
  • Discounted rates: Discounts passed along by in-network dentists may not be available in some states.
  • Standalone dental: Depending on the state in which you live, some insurers will not let you buy dental coverage unless you are also covered by one of the insurer’s medical plans.
  • Special circumstances: Dental insurance companies even exclude services that may be needed due to special circumstances, among which may include losses from armed conflict, self-inflicted injuries and infections.
  • Waiting periods: Some basic dental services may incur a six-month waiting period and some major services may incur a 12-month waiting period.

What are the different types of dental plans?

Traditional plans

Also known as indemnity or fee-for-service plans, traditional dental insurance involves the patient paying a percentage of the total cost and the insurance company paying the rest. These plans usually have a co-payment, deductible and maximum out-of-pocket cost. You may have to pay for services up front, file your own claims and wait for the insurance carrier to reimburse you, but this type of plan offers the largest choice of dentists. Indemnity plans are usually pricier than other plans.

DPO/PPO plans

Dental Plan Organization/Preferred Provider Organization (PPO) plans utilize an in-network list of dentists to provide services to patients at a negotiated reduced rate, and patients pay a percentage of that reduced rate. Each plan usually requires first meeting a deductible. These plans come with an annual maximum benefit.

DHMO/Pre-paid plans

Dental Health Maintenance Organization (DHMO) plans also utilize an in-network list of dentists to offer services to patients at a negotiated discounted price. Generally, patients only see one dentist for oral health needs and can be referred for specialty care. With a DHMO plan, there may or may not be an annual maximum benefit limit and deductibles are not a part of the plan. Instead, you’ll pay fixed dollar amounts or copayments for treatment. These plans can be very affordable for those looking for basic services; however, there may be limitations for major procedures. If you visit an out-of-network dentist, you may be responsible for the entire bill.

Supplemental

Supplemental dental coverage is a separate dental plan that covers procedures not covered by a basic dental plan.

Non-insured discount plans

Discount plans are not actually insurance. These plans simply offer a discount off the sticker cost for dental care, and there is little or no paperwork, annual limits or deductibles so long as patients visit a participating dentist. This option is best for those who do not require or want consistent oral health care.

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SOURCE: http://www.consumeraffairs.com/insurance/dental-insurance/

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