Dental care is very expensive, particularly if you require work beyond the usual cleaning and routine exams. Americans spend on average about $514 on dental care every year.
This is where dental insurance companies in Georgia can offer you some benefits.
Good dental insurance can help you cover the cost of not just your preventive and maintenance care but also share the burden of more expensive procedures like root canal therapy, crowns, and dental implants.
In this guide, we have compared companies that provide the best dental insurance in Georgia on the basis of:
Let’s start. Make sure to check our list of the best dental insurance companies as well.
There are two main types of dental insurance in Georgia that can help you pay for costly dental treatments:
Dental Health Maintenance Organization (DHMO) plans to use a dental network to offer dental services at a discounted rate. DHMO plans may not have an annual maximum benefit limit or deductibles, but people can pay a fixed fee or copayments to their dentists.
DHMO plans are good for basic dental services but may have limits for major procedures. Additionally, if you go to a dentist that is not part of the network, you will have to foot the entire bill yourself.
Dental Preferred Provider Organization (PPO) plans also utilize a network of dentists to provide patients with reduced dental bills. You can choose to work with any dentist you want, though out-of-network dentists may mean reduced dental benefits.
PPO dental insurance in Georgia involves:
Deductibles: A deductible is a fee you need to pay before you can use your insurance benefits. Plans can have both annual deductibles that rest every year and lifetime deductibles that are paid once for the time you have the insurance plan.
Waiting period: This is the length of time you need to wait after buying a dental insurance policy to use the benefits. It can range from a few days to over 12 months, depending on the coverage levels.
Annual maximum benefit: This is the amount of reimbursement you can receive in a single year. If you reach the limit, you have to pay out of your pocket for any extra expenses. This limit is reset every year.
Coinsurance: Coinsurance is the percentage of the expenses you pay after you have paid the deductible. For example, if a dental procedure costs $500 and your coinsurance is 20%, you pay $100 once you have paid the deductible.
Like all other insurances, dental insurance charges a premium for covered benefits. Unlike other plans, however, most dental insurance in Georgia has a maximum benefit limit, typically between $1,000 and $3,000 per year.
Dental insurance plans cover essential preventive care and basic coverage. They may also cover major procedures but that claim percentage may be limited. So whether you have an adult or pediatric dental insurance in Georgia, it is best to check its details.
Here are some basic services that typical dental insurance in Georgia covers:
Preventive care: Includes routine dental and periodontal exams, x-rays, cleaning, fluoride treatment, and sealants.
Basic care: Includes basic essential dental insurance in Georgia. Crown placement, extractions, fillings, minor oral surgery, small space maintenance (not always covered).
Major procedures: Major services include only extensive procedures like dentures, bridgework, periodontal cleaning, gum therapies, and root canals. Crowns may also be included in this, depending on the treatment.
There are a few procedures that are almost never covered by dental insurance in Georgia.
Cosmetic dentistry: Procedures include teeth whitening, veneers, enamel shaping, and contouring.
Major pre-existing conditions: Major oral and dental health conditions that were diagnosed before the client took out the policy.
Adult orthodontia: These include braces for straightening adult teeth.
The cost of dental insurance varies due to numerous factors like your level of coverage, health history, age, and even geography. According to our estimates, the average cost of dental insurance in Georgia per month is between $15 and $60.
A dental insurance plan with a higher maximum benefit and lower dental insurance deductible may result in a higher premium. That said, there are many companies that offer low-cost dental insurance in Georgia through PPO discounts and bundled health care, like vision, health, and dental care all in the same package.
When buying low-income dental insurance in Georgia, you need to consider what type of coverage you need. Many companies offer family dental insurance in Georgia at a discounted premium or a lower deductible, which can be a good option for budget-focused people who want to get their entire family covered.
Some other things that you must evaluate in a company that offers cheap dental insurance in Georgia are given below:
Delta Dental insurance in Georgia offers PPO and Premier plans. One of the things that set apart Delta Dental is that it offers several insurance plans that also cover orthodontic care for children as well as adults. Typically, most dental insurance providers in Georgia do not offer multiple orthodontic options.
Delta Dental also has good financial stability as evident by the A rating from AM Best.
Cigna Dental PPO plans are available to people of all ages with pricing charged at a per-person, per-month basis. A good thing about Cigna Dental is that it provides flexibility and customizability when it comes to restorative and orthodontic care.
In addition, Cigna dental insurance requires no deductible and no coinsurance for preventive care, when you visit in-network dentists. Some features of its most comprehensive plan - the individual Cigna Dental 1,500 plan, include:
Aetna is one of the oldest and most trusted companies providing health and dental insurance in Georgia as well as the rest of the United States.
Aetna individual dental insurance in Georgia offers two plans:
Aetna Dental Direct Preferred PPO: $53.12
Aetna Dental Direct Core PPO: $46.38
Here we will discuss the key features of the Preferred PPO plan:
Guardian dental insurance in Georgia offers multiple dental plans that are great for covering your basic needs. This means you get only the kind of coverage you need at an affordable price.
Hence, Guardian dental insurance is a good option for those who do not need costly restorative procedures like crowns, root canals, and tooth implants.
Here we will see the key features of the Guardian Direct dental program. Guardian Direct offers three plans. For a person between the age of 19 and 49, it costs:
For the most comprehensive plan, i.e. the Advantage Gold plan, Guardian covers:
Reimbursement: 100% for cleaning and x-rays; 70% for fillings; 50% for root canals, crowns, implant, child braces
Waiting period: 6 months for filling, 1 year for major work, no waiting period for cleanings
Deductibles: For preventive care $0 if you use a participating dentist; $50 for non-participating dentists. $50 for all other dental care
Maximum benefits: 1st year pays $1,000; 2nd year pays $1,250; 3rd year pays $1,500
The company is rated A+ by BBB.
Kaiser Permanente dental insurance in Georgia sets itself apart from other dental insurance plans because it is a not-for-profit health care plan, which has garnered great reviews from patients and rating agencies.
Kaiser dental insurance in Georgia offers its plans through Delta Dental Insurance Company. Here, we will evaluate the Advantage Plus plan that is offered in Georgia.
The Advantage Plus plan combines with Medicare coverage to provide you with a single health plan. This plan is great for people who prefer managed care.
The plan has no deductibles or maximums.
Dental benefits include:
MetLife dental insurance in Georgia covers 400 procedures as their dental care plan. The standard package and high care package vary in terms of covered procedures and pricing. Below is what their Veteran Affairs Dental Insurance Program in Georgia looks like:
Dental Health Maintenance Organization (DHMO) and Dental Preferred Provider Organization (PPO) are the two types of dental insurance coverages that are available. In a DHMO plan, you choose a primary provider from a dental group or network and are usually the cheaper, less expensive option. A PPO plan also uses a dental network, however it does not require you to choose a primary provider. You’ll be able to visit dentists outside of the dental network, but you may see a reduction in benefits while using out of network dental services.
Dental coverage can be included in some health plans, but only in some extreme situations. In most cases, health insurance does not cover dental. You will need separate dental coverage for that.
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