Best Dental Insurance Companies in 2020

November 19, 2020

Many people put off dental insurance due to the high cost, but it doesn’t have to be that way. By finding out about the best dental insurance plans, you can make sure you and your family get the best dental coverage, along with low monthly and annual premiums and deductibles. 

Those looking for dental insurance naturally want to know, “What is the best dental insurance plan?” This is the right thing to ask if you are looking for the best rated dental insurance

For those searching for the best dental insurance that will give them the most bang for their buck, we have sampled the best dental insurance reviews and put together in this article all the information we have found. 

We have based our review of the best dental insurance plans on multiple factors, which include but aren’t limited to deductibles, waiting period, plans and coverage, spending limits, monthly premiums, claims process, and quality of customer service.

Product
Rating
Key Features
Website
1
OVERALL RATING
3.9
Expert Review
  • Global coverage and plenty of options.
  • Large network of 72,000 dentists nationwide.
  • Great customer reviews.
PRICE: $
Get a Deal
2
OVERALL RATING
4
Expert Review
  • Affordable dental options.
  • HMOs, PPOs, and Indemnity plans.
  • Good customer reviews.
PRICE: $
Get a Deal
3
OVERALL RATING
3.8
Expert Review
  • Best dental insurance for seniors.
  • Manage claims online.
  • Attractive discounts.
PRICE: $
Get a Deal
4
OVERALL RATING
4
Expert Review
  • Dental insurance covers over 350 procedures.
  • Available on 450,000 locations.
  • A+ rating with the Better Business Bureau.
PRICE: $
Get a Deal
5
OVERALL RATING
4.5
Expert Review
  • Comprehensive dental plans.
  • No enrollment fees.
  • High customer support rating.
PRICE: $
Get a Deal
6
OVERALL RATING
4.5
Expert Review
  • One of the best dental insurance providers.
  • Fast processing times.
  • Coverage in all 50 states.
PRICE: $
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7
OVERALL RATING
4.7
Expert Review
  • It has 363,000 dental offices in its PPO network.
  • Best insurance for implants.
  • High user satisfaction ratings.
PRICE: $
Get a Deal
8
OVERALL RATING
3.9
Expert Review
  • Offers multiple affordable options.
  • Policy customization possible.
  • All states covered.
PRICE: $
Get a Deal
9
OVERALL RATING
3.5
Expert Review
  • Very affordable dental insurance plans.
  • High customer satisfaction
  • Best for families.
PRICE: $
Get a Deal
10
OVERALL RATING
4.4
Expert Review
  • Multiple dental insurance plans.
  • High quality products.
  • Best dental insurance for veterans.
PRICE: $
Get a Deal

Best Dental Insurance Companies Reviews

Cigna is a well-known name when it comes to the best dental insurance for seniors. Cigna insurance started back in 1792 by the name The Insurance Company of North America. The company offers multiple insurance plans that are available in all states except New York and Washington. 

Go to the provider directory at Cigna.com if you’re not enrolled in a Cigna Dental Care (DHMO) plan today, or go to your personal site at myCigna.com if you are enrolled in this plan.

Cigna enjoys an A-Excellent rating from AM Best, which is a testament to its high level of quality. The company also enjoys great reviews from customers because of the premium quality products they offer at some of the most affordable prices. 

Plan name Average price  Things covered Deductible Annual maximum benefit
myCigna Dental Preventive $19 Restorative and orthodontic services
myCigna Dental 1000 $30 Cavities, gum disease, and major dental work, annual and routine exams, including x-rays $50 $1,000

 

Cigna has a large network of 72,000 dentists nationwide, which makes it easy for you to find the right dentist for the procedure you require. The out-of-network charges will be applicable if more than the reimbursable amount is allowed by Cigna. Not all plans are available in every state.

PROS:
  • Global coverage
  • Financially sound company
  • Great customer reviews
  • Plenty of options
  • A large network of dentists
CONS:
  • Not available in all states
  • Does not provide coverage for all procedures
  • Applicable out of network charges

Humana is another insurance provider that has an A- rating from AM best. The company received several distinctions and is also considered to be one of the best dental insurance for seniors. The insurance provider enjoys good customer reviews and comes highly rated by review sites for the best life dental insurance plans.

Plan name Average price  Things covered Deductible Annual maximum benefit
Basic dental plan $15 Routine cleanings and exams, x-rays and fillings, root canals, crowns
Full-coverage plan

 

Humana has several supplemental options, including prescription drugs and the Medicare Advantage plans. What sets Humana insurance apart is that they offer three options HMOs, PPOs, and traditional indemnity plans for its customers.

PROS:
  • Financial Stability
  • HMOs, PPOs, and Indemnity plans
  • Variety of health insurance options available
  • Low-cost health insurance options
CONS:
  • Customer service complaints in some products

Delta dental insurance has a long history that dates back to 1954 when it started providing dental insurance programs for employees of the West Coast. The insurance provider offers plenty of options and is available in all states. The company has a positive AM Best rating and an A+ BBB accreditation

Plan name Average price  Things covered Deductible Annual maximum benefit
Gold plan $125 Routine cleanings as well as extensive procedures  $50 per person 1,500
Silver plan $105 Routine cleanings as well as extensive procedures  $75 per person $1,000

Delta Dental insurance is a trustworthy name when it comes to the best family dental insurance. It offers plenty of options, including the best dental insurance for seniors.

PROS:
  • Manage claims online
  • Financially sound
  • Preventive care
  • PPO discounts
CONS:
  • All options aren’t available in all states

Physicians Mutual Insurance Company has been a BBB accredited company since 1940. It has an A+ rating with the Better Business Bureau. The company also enjoys a high 97% customer satisfaction rating, thanks to the high level of customer support the company offers. Physicians Mutual dental insurance covers over 350 procedures at over 450,000 locations, so you are sure to find the dental coverage you need wherever you live.

Plan name Average price  Things covered Deductible Annual maximum benefit
Basic plan $24 Routine cleanings, x-rays, and other procedures $50 per person 1,500
Major care services  $105 Extensive procedures, including root canal, crowns, bridges, and dentures $75 per person $1,000

 

Physicians Mutual dental insurance offers dental coverage in over 450,000 locations and covers up to 350 procedures, which is more than many other dental insurance providers. The insurance provider enjoys high customer ratings and an impeccable track record.

PROS:
  • Wide coverage
  • Simple, clean pricing
  • Lots of procedures covered
  • Low waiting period
CONS:
  • All options aren’t available in every state

Ameritas dental insurance is considered to be one of the top providers of the best dental insurance for major dental work. The company is a mutual organization, which means it is owned by its policyholders and is the subsidiary of the Ameritas Mutual Holding Company. 

The insurance provider enjoys a high customer satisfaction of up to 90% and enjoys an excellent A rating from AM Best. The insurance provider offers many dental insurance plans, which ensures that you are able to find the dental plan for your specific needs. 

Plan name Average price  Things covered Deductible Annual maximum benefit
Basic plan $69 Routine cleanings, x-rays, and other procedures $50 per person $2,000
Individual plan $69 Extensive procedures, including root canal, crowns, bridges, and dentures $75 per person $2,000

 

Ameritas dental insurance offers plenty of options for its customers. The insurance provider enjoys a high customer support rating because of the high level of quality that they offer their customers. The many options available makes it easier for you to find the best dental coverage for your needs.

PROS:
  • No enrollment fees
  • 30-day customer satisfaction
  • Dental coverage for 18+, including seniors
CONS:
  • Basic plan does not offer the most savings

Spirit Dental Insurance is a product offered by Ameritas Life Insurance Corp., whose mission is to help customers find reliable and valuable insurance plans for all life stages and all needs. Ameritas was also named an AM Best Company, receiving an A (Excellent) for financial strength. 

The insurance provider offers plenty of options for dental care. The company also enjoys a high rating for its customer support and quality of service. Spirit Dental Insurance offers its dental coverage in all 50 states. 

 

Plan name Average price  Things covered Deductible Annual maximum benefit
Choice 1200 $36 Routine cleanings, x-rays, and other procedures $100 $1,200
Choice 3500 $70 Extensive procedures, including root canal, crowns, bridges, and dentures $100 $3,000

Spirit Dental Insurance offers great value for money. The insurance provider enjoys high customer satisfaction ratings because of their fast processing times and multiple options. The insurance provider offers plenty of options for individuals, families, and groups at affordable prices, which makes it one of the best dental insurance providers available.

PROS:
  • Plenty of dental coverage options
  • A large network of dentists
  • Option for partial coverage
  • All applicants accepted
CONS:
  • High premiums

Guardian dental insurance has been offering premium coverage to its customers for the past 155 years. The company offers plenty of options for dental insurance coverage, which ensures that you will easily find the perfect option that suits your needs. 

It has 363,000 dental offices in its PPO network in the United States, where you will find PPO dental plans and DHMO dental plans. The company enjoys a high A- (Excellent) rating from AM Best. 

Plan name Average price  Things covered Deductible Annual maximum benefit
Choice 1200 $33 Routine cleanings, x-rays, and other procedures $50 $1,000
Advantage bronze PPO $16.85 Extensive procedures, including root canal, crowns, bridges, and dentures $50 $1,000

 

Guardian dental insurance is considered to be one of the best dental insurance for implants, mainly because of their incredibly affordable prices. The insurance provider enjoys consistently high ratings when it comes to its customer service and also has high user satisfaction ratings, which is a testament to their commitment towards delivering a high level of quality. 

PROS:
  • Plenty of options
  • Fast processing times
  • Affordable costs
CONS:
  • ACA-subsidized plans only available in 20 U.S. states

Renaissance Dental offers multiple affordable options that can be customized according to your specific needs and budget. The company, which was founded in 1957, has years of experience in delivering superior insurance plans to individuals of all ages. 

The company offers dental insurance in all 50 states via their 300,000 access points that are spread across the nation. The insurance provider enjoys a high AM Best rating because of its impeccable quality of service. 

Plan name Average price  Things covered Deductible Annual maximum benefit
Basic  $49 Routine cleanings, x-rays, and other procedures $50 $1,200
Plan III $49 Extractions, root canals, dentures, surgeries, implants $50 $3,000

 

Renaissance Dental offers plenty of insurance options for individuals, families, and groups. The company enjoys high satisfaction ratings from customers who are happy with the many dental plan options, fast processing times, and other features. 

PROS:
  • 100% coverage for Diagnostics and Preventive Services
  • No waiting periods
  • $50 deductible waived for Diagnostics & Preventive Services
  • A large network of dentists
CONS:
  • Slow processing

Aflac Dental insurance is a great option for those who are looking for dental plans that are not too expensive and offer the perfect amount of basic dental care. Aflac has many years of experience in providing dental plans for its customers. 

The insurance provider also enjoys a high A+ Excellent AM Best rating because of their commitment to delivering the best products and customer service possible. 

Plan name Average price  Things covered Deductible Annual maximum benefit
Basic plan  $20 Routine cleanings, x-rays, and other procedures
Individual Plan  $20 Extractions, root canals, bridges, crowns, dentures, surgeries, implants

What makes this one of the best family dental insurance providers is that it has no strict requirements. You do not need networks, and there are no deductibles. This is the reason why the insurance provider offers high customer satisfaction ratings across the board because of their great quality of service.

PROS:
  • Plenty of options
  • No deductibles
  • No networks required
  • No annual premium
CONS:
  • Certain coverage not available nationwide

Aetna has been in business since 1853 and has garnered many years of experience in the insurance niche. The company specializes in providing the best dental insurance along with the best supplemental dental insurance and many other options. 

The company enjoys a high AM Best rating because of its high-quality products, which also includes the best dental insurance for veterans.

Aetna insurance offers multiple dental insurance plans, which makes it easy for you to find exactly what you are looking for. 

The drawback is that the insurance provider offers dental coverage in only selected states, such as Alaska, Arizona, Delaware, Illinois, and Pennsylvania.

 

Plan name Average price  Things covered Deductible Annual maximum benefit
Basic plan  $30 Routine cleanings, x-rays, and other procedures $50 for individual $1,500
Individual Plan  $60 Extractions, root canals, bridges, crowns, dentures, surgeries, implants $50 for individual $2,000

 

Aetna enjoys high customer satisfaction ratings. According to reviews, this is considered to be one of the best dental insurance providers in the U.S. The company is also known for delivering a high quality of customer service and plenty of dental plan options. 

PROS:
  • One of the largest dental insurance providers in the U.S.
  • More than 300,000 dentists in the PPO network
CONS:
  • Only covers very small portions of dental services if used as a secondary insurance

Dental Insurance Buying Guide

Once you’ve decided to buy yourself or your family dental insurance, you will have to answer the questions of what are the best DPPO dental insurance plans, or the best DHMO dental insurance plans, amongst others. 

Here we are going to attempt to answer all of your questions on dental insurance for individuals and whether they cover tooth extractions, root canals, bridges, dentures, crowns, implants, or dental surgeries. 

Types of Dental Insurance 

If you are new to dental insurance, you will be asking yourself questions about the best DHMO and DPPO dental plans. In the following lines, we are going to describe the two main types of dental insurance and what they cover. 

  • DHMO Plan – A Dental Health Maintenance Organization plan is similar to an HMO health insurance plan. This means you can consult with a dentist who is within the DHMO network and enjoy discounted coverage. One of the advantages of the DHMO plan is its low cost and superior coverage. Most DHMO plans also do not have an annual maximum, which is another added advantage. 
  • DPPO Plan – A Dental Preferred Provider Organization plan offers a larger network of professional dentists as compared to a DHMO plan. Under the DPPO plan, you are more likely to receive reimbursement for the services provided by an out-of-network dentist. Some advantages of the DPPO plan is that you do not need referrals, and you can visit any dentist in the network. You also will not have to pay a copay when visiting a dentist. The downside of DPPO plans is that it usually involves higher out-of-pocket expenses. 
  • Dental Indemnity Plans – These plans offer dental coverage which is incredibly easy to use while also being cost-effective. The Dental Indemnity plan pays a percentage of the cost for various covered services and will cover most diagnostics and preventive services with no added charges to the user.

 

What type of dental insurance is better for you?

This is mainly going to depend on your specific needs. This is why you should find out what the chosen dental plan covers, and if there are other added services and perks included. 

Private vs. Group plans

Private dental plans are taken up by individuals and can be customized to suit your specific needs. You should choose the best life dental insurance plan that will take care of all your needs while being light on your pocket. If you do not research the best DPPO dental insurance and best DHMP dental insurance in your area before buying, it could leave you having to pay more out-of-pocket costs and higher premiums. 

On the other hand, a group dental plan can get you great coverage and discounted prices. Since there will be more than one individual covered under the plan, you are likely to receive various perks and discounts as the result of a group dental insurance plan. 

Keep in mind, though, that group dental plans tend to offer less coverage. You might want to find out their policy when it comes to various procedures such as tooth extractions, root canals, bridges, dentures, crowns, and implants.

Terms to Know Before Looking for Dental Insurance

While looking for the best dental insurance, you are sure to come across jargon that you do not understand or types of dental plans that you will need to know more about. If you really want to find the best dental insurance, the following are some terms you should know of before investing in a dental insurance plan. 

What are dental saving plans?

A dental saving plan is also called a dental discount plan. It is designed for individuals, groups, and families, which allows them to save up to 60% while taking care of their dental care needs. 

What is a deductible?

A deductible is the dollar amount that the person will have to pay to their dentist before the benefits of the dental plan start. Basically, it is the out-of-pocket expense on a dental procedure that you have to pay for that’s covered by the dental insurance plan. 

Preventive care, basic procedures, major procedures

Dental procedures are grouped under 3 major categories: preventive, basic, and major.

  • Preventive care includes cleanings, examinations, x-rays, fluoride treatments, tooth sealants, and space maintainers. 
  • Basic care includes root canals, emergency care, all types of fillings, scaling and root planning, surgery, non-routine x-rays, and prefabricated crowns.
  • Major dental services include complex oral surgical procedures, wisdom tooth removal, tooth implants, bridgework, inlays and onlays, dental crowns, denture removal or repair, and orthodontic repair. 

What is an alternate benefit clause?

An alternative benefit clause within a dental plan contract will allow an insurance carrier or third-party payer to determine the benefit you receive based on an alternative procedure that is normally cost-effective as compared to the one being provided. 

What is coinsurance?

Dental coinsurance is one of the many ways in which the individual and their dental insurance carrier share the cost of dental procedures. While one portion is paid by the insurance carrier for your dental procedure, the other half is paid directly to the dentist. 

What pre-existing conditions are okay with the insurance company?

Most dental insurance providers offer coverage for those with minor pre-existing conditions, such as cavities, etc. But, some dental insurance companies will not offer coverage to those with serious pre-existing conditions.

What are copay plans?

Copay is a fixed dollar amount that a person pays for the services covered. If your copay is $30, and your bill is $300, you still pay just $30 while your dental plan pays for the rest. The copayment has to be made to the dentist at the time of the service. While this is not a dental insurance alternative, it is one of the options available. 

Things to Look in a Dental Insurance Company

Even the best private dental insurance is only going to be as good as its features and costs. If you are looking to get the best dental insurance coverage in town, these are some of the things to look for in a dental insurance company. 

How many in-network dentists does the insurance company have?

In-network dentists, also known as contracted dentists, sign a contract with dental insurance companies that promise to charge predetermined amounts for specific services. The number of in-network dentists that an insurance company has could range from hundreds to thousands. It’s best to contact the insurance provider and ask them beforehand. 

The reputation and customer ratings

It goes without saying that the reputation of the company and its customer ratings are two big factors that should determine your decision to go with a dental insurance provider. You can easily find out about any dental insurer by simply going to their website or reading reviews left by past customers on social media and review sites. 

What things are covered and excluded?

This may vary greatly depending on your situation and the dental insurance provider. It is best to contact your insurance provider to ask them for the details of what is and is not included in your dental plan. 

What are waiting periods and deductibles?

The waiting period is the time that you have to wait between paying for the service of the dentist at the time of getting the procedure and getting compensated by the dental insurance plan. 

A deductible is the dollar amount you pay out of pocket annually before your plan starts to pay for the treatments that it covers. 

What is the Expected Cost of Dental Insurance? 

The cost plays a big part in the decision-making process when it comes to getting dental insurance. This is because you might end up paying more even while having the best affordable dental insurance plan. Whether you are looking for simple dental coverage or the best dental insurance for seniors on Medicare, you should know the following on the cost of dental insurance. 

How much does standard dental insurance cost?

The average American pays around $360 annually on dental insurance. This cost may vary depending on the state you live in. 

How does the insurance vary by state, age, and other factors?

The best way to find what factors are considered by your dental insurance provider is to simply ask them beforehand. 

How buying in groups or bundles can change the cost?

Bundled services help keep the cost of dental insurance lower. That’s because a group or bundled dental insurance coverage is usually offered to employees. A large number of individuals allows insurers to offer discounted prices, unlike dental insurance that is bought on an individual basis. 

How can seniors use Medicare to reduce costs?

There are many dental insurance plans that are offered to seniors on Medicare. The good news is, the Medicare dental benefit improves health while reducing the costs of healthcare. 

How can I reduce the cost of dental insurance? 

One of the ways in which you can do that is by getting a dental plan from the place you work. Also, considering dental savings plans is a good way to go. You can also consider ACA coverage or simply go online to compare the coverage and benefits of different dental insurance providers. 

How deductibles, copayments, coinsurance can reduce or increase costs?

A deductible usually doesn’t apply to diagnostics and preventive treatment, so you might end up having to pay out of pocket for those procedures if you haven’t read through the dental plan. The copayment is only going to pay a preset amount, while you will have to pay the identical amount. This is why it’s best to go for a dental insurance plan that offers you the most coverage.

When it comes to coinsurance, dental plans with low monthly premiums usually have a higher coinsurance, while dental plans with a higher monthly premium have lower coinsurance.

Is It Worth Getting Dental Insurance? 

Dental insurance should be an important part of your health insurance plan. But dental insurance could end up being a waste of money if you do not get the right plan that matches your needs. The following are some of the pros and cons of dental insurance to help you make a more informed decision. 

Pros

  • Preventive care is covered in full
  • Get all dental issues fixed without wasting any time
  • Plenty of options to choose from
  • Leads to better oral health

Cons

  • Doesn’t cover all oral treatments
  • Yearly limits
  • Treatment might have to be pre-approved
  • Deductibles are required to be paid beforehand

Final Verdict 

Oral health should be a priority of every individual. If you want to ensure oral health, you will have to invest in the best dental insurance plan. Since there’s no one-size-fits-all, it is best to know what you need and keep on looking until you find the perfect dental insurance coverage that fits your specific needs. 

FAQs

What’s the average cost of full coverage dental insurance?

The average cost that an American pays for dental insurance is around $360 a year. This cost may vary depending on a person’s situation and the insurance provider.

What is the best dental insurance for seniors?

There are quite a few options when it comes to the best dental insurance for seniors. You can easily shop around to find the best plan for your specific needs.

Is dental insurance tax-deductible?

Dental insurance premiums could be tax-deductible, but that mainly depends on whether the procedure was to prevent or alleviate dental disease, including preventive treatments and exams.

What is the best supplemental dental insurance?

Supplemental dental insurance is a separate plan that enhances the current dental coverage, mainly by providing coverage for procedures that are not being covered by your current dental insurance plan.

What type of dental insurance covers cosmetic dentistry?

A dental plan can cover treatment needs before cosmetic procedures as well as post-treatment requirements. It is important that you ask the dental insurance provider beforehand to find out which procedures are covered. 

What paperwork should I go through for using dental insurance?

All you have to do is fill the form that’s given to you by the dental insurance provider. In some states, additional paperwork might be asked for. 

How long will it take for my dental plan to get activated?

Dental insurance waiting periods encourage people to get regular checkups instead of purchasing last-minute insurance coverage for a major procedure.

What dental insurance is good for implants and major work?

Many dental insurance policies do not cover tooth implants because most companies categorize them as cosmetic procedures, which is why you should ask the insurance provider if the plan covers dental implants and other major treatments. 

What health insurance covers dental too?

There are many insurance policies that also provide dental coverage. That said, this coverage is often limited, which is why you need to ask the insurer what dental procedures are covered under their dental coverage.

What does it mean to be ACA-Compliant?

You are eligible for dental coverage under the Affordable Care Act (ACA) and Patient Act. An ACA-compliant plan is a medical plan that abides by the rules of the Affordable Care Act. This means your insurance provider cannot put a cap on what they will cover regardless of how many medical bills you rack up.