Dental Insurance Hawaii 2020

Last modified: November 21, 2020

You can find multiple options to choose from if you are looking for affordable dental insurance plans in Hawaii Like the vast number of health insurance providers, Hawaii dental insurance also offers different types of insurance plans that include: Preferred provider organization (PPO) plans, Dental health maintenance organization (DHMO) plans, and Dental discount plans.

In other words, there are different types of dental coverage options that help you determine how much you are likely to end up paying for dental procedures in Hawaii.

For instance, PPO plans feature a diverse network of dentists that offer you dental services based on their contract with your insurance providers. While you will have to pay coinsurance, deductible and an annual maximum, you will also be entitled to discounted rates for procedures and treatments if and when you visit a dentist from their network.

Some of the best dental providers in Hawaii off a variety of amazing dental coverage packages to users. For your ease and convenience, we’ll walk you through necessary details regarding Hawaii dental insurance so that you can find the best dental insurance Hawaii has to offer.

How Does Hawaii Dental Insurance Work?

Hawaii dental service plans typically work the same way as any other medical insurance plan works. You get certain dental benefits for a specific monthly rate – also often referred to as a premium.

But each plan covers different types of services and procedures where most do cover basic dental care routines.

What They Cover

Most Hawaii dental service providers provide coverage for the following:

  •         Routine checkups
  •         X-rays
  •         Tooth extraction
  •         Root canals
  •         Regular cleanings
  •         Fillings
  •         Crowns

In some cases, dental plans also cover services and preventive care in full. This suggests that you don’t have to pay for a dental cleaning session once or twice a year.

What They Don’t Cover

  •         Adult orthodontia like braces that people get to straighten their teeth
  •         Serious or major pre-existing conditions or oral health issues that you’ve experienced before getting insurance
  •         Cosmetic dental procedures such as teeth whitening

Average Cost of Dental Insurance in Hawaii

When researching different dental insurance options, one thing you should know is the average cost of dental insurance in Hawaii.

When it comes to adults, the average cost is about $350 per year.

However, the actual cost tends to vary based on the type of coverage you prefer, your gender, age, and location.

Given the fact that Hawaii’s cost of living is higher than many other places in the country, a number of dental insurance plans are also towards the pricier end.

For instance, individual dental insurance Hawaii for a single adult in his or her 20’s ranges from $20 – $70 and above per month. And if you talk about a year, it can be anywhere from $240 – $840.

It actually comes down to the level of coverage that you opt for. You can also decrease your overall Hawaii dental insurance costs with the help of discounts.

How to Find Affordable Dental Care Plans?

Finding affordable dental care is a massive challenge for a large number of Americans, but it’s nothing impossible. You can get your hands on affordable dental insurance Hawaii for which you do need to research and explore different options.

Here are a few ways to get cheap dental insurance Hawaii to be able to save money on dental care.

Look Into Group Coverage Options

A lot of people in Hawaii may have access to group coverage programs through their employers such as the Affordable Care Act (ACA) marketplace health insurance, AARP, or a few other public coverage programs like Medicaid.

Group coverage is a lot more reasonable than individual insurance, and the former is also likely to bring greater benefits with it.

Ask Your Dentist

If you have a go-to family dentist, you can ask them which insurance plans they accept. PPO plans, for instance, limit you to a particular number of dentists that are available in their network so you can’t randomly choose one that you prefer.

So, it’s best to ask around and know the dentists in your network.

Look for Discounts

Dental care tends to be quite expensive, so look for discounts to help you lower the total amount that you pay in the end.

Some dental discounts include:

  •         Military discounts for active-duty personnel or veterans
  •         Combined vision & dental insurance Hawaii
  •         senior dental insurance Hawaii

Although dental insurance discounts are not as common as they are on other types of insurance, you can always check with your insurance provider if they are offering any.

Consider the Needs of Your Family Members

Before you finally decide the type of dental insurance you want, it is essential that you consider the needs of every single member in your family.

This will help you determine what kind of coverage works best for you and your family and will allow you to remain within your budget.

Best Dental Insurance Companies In Hawaii

Hawaii dental insurance comes down to the different types of dental insurance companies operating in Hawaii and the plans they have to offer.

To help you with that, we’ve rounded some of the best companies that you should consider during your search.

1. Nationwide

If you are looking for the best overall dental care in Hawaii, Nationwide dental insurance is your ultimate option.

It is surely one of the largest insurance providers in the entire country and has a large variety of decent dental plans.

Most of its plans are super affordable, and they do provide coverage for almost all dental procedures. Some of its featured plans in Hawaii include:

Ameritas Hollywood Smile 2000 Plan

  •         No waiting periods
  •         Plan type: PPO
  •         Plan Maximum: $2000
  •         Covers most dental care services, including exams, cleanings, fillings, extractions, crowns, bridges and dentures.

Ameritas Hollywood Smile Plus 2000 Plan

  •         No waiting periods
  •         Plan type: PPO
  •         Plan Maximum: $2000
  •         Covers most dental care services, including exams, cleanings, fillings, extractions, crowns, bridges and dentures.

Nationwide Premier Select 1500 Plan

  •         No waiting periods
  •         Plan type: PPO
  •         Plan Maximum: $1500
  •         Covers for preventive, basic and major services

2. Delta Dental

From individuals to families and businesses, Delta Dental Insurance Hawaii has got you covered. This insurance company offers a number of dental insurance coverage plans, such as:

Delta Dental PPO

  •         Plan Type: PPO
  •         Annual Max: yes
  •         Deductible: yes
  •         Copayment: yes

Delta Dental Premier

  •         Plan Type: Managed fee for service
  •         Annual Max: yes
  •         Deductible: yes
  •         Copayment: yes

Delta Dental PPO Plus Premier

  •         Plan Type: PPO
  •         Annual Max: yes
  •         Deductible: yes
  •         Copayment: yes

DeltaCare USA (HMO)

  •         Plan Type: Dental HMO
  •         Annual Max: no
  •         Deductible: no
  •         Copayment: yes

Delta Dental Patient Direct

  •         Plan Type: Discount plan
  •         Annual Max: no
  •         Deductible: no
  •         Copayment: not applicable

3. HMSA

With an aim to promote better dental health, dental insurance Hawaii HMSA is yet another best insurance company option that you can consider in Hawaii.

It offers both HMO and PPO plans.

HMSA PPO dental plans offer better benefits and greater choice with a diverse provider network that includes more than ninety percent of dentists in Hawaii. HMO plans, on the other hand, provide cost-effective options for those who don’t want access to a number of dentists but do look for rich benefits.

HMSA dental plans include the following:

Basic I (PPO Bronze)

  •         Plan type: PPP
  •         Monthly premium: $18.06 (adults), $36.97 (pediatric)

HMO Basic (HMO Silver)

  •         Plan type: HMO
  •         Monthly premium: $23.12 (adults), $24.06 (pediatric)

Basic II (PPO Silver)

  •         Plan type: PPO
  •         Monthly premium: $27.73 (adults), $31.28 (pediatric)

High I (PPO Gold)

  •         Plan type: PPO
  •         Monthly premium: $39.44 (adults), $44.35 (pediatric)

4. HDS

Hawaii Dental Service is the first-ever nonprofit dental service in Hawaii that provides numerous dental plans and coverage to millions of people living in the state.

It has also created a unique network of dentists with the help of more than 95% of licensed dentists across the state.

Take a look at HDS dental plans.

HDS Basic

  •         Pricing: $

HDS Preferred

  •         Pricing: $$

HDS Classic

  •         Pricing: $$

HDS Children

  •         Pricing: $$

HDS Deluxe

  •         Pricing: $$$

All these plans cover diagnostic and preventive care, basic care and major care. HDS Preferred and HDS Deluxe also cover orthodontics.

5. United Healthcare

This insurance company in Hawaii aims to help every single individual by bettering their health and overall life.

Almost every United Healthcare dental plan has a maximum benefit for the year. The annual maximum for dental plans is from $1,000 to $3,000, which basically depends on your plan.

United Healthcare offers the following:

*

Essential

  •         Starts at $20.11/month

Primary

  •         Starts at $22.60/month

Primary Plus

  •         Starts at $30.39/month

Essential Preferred

  •         Starts at $31.58/month

Primary Preferred

  •         Starts at $33.91/month

Premier Choice

  •         $35.91/month

Premier Elite

  •         Starts at $40.37/month

Premier Plus

  •         Starts at $41.74/month

Premier Max

  • Starts at $44.35/month

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

What kinds of dental insurance are available in Hawaii?

There are different types of dental insurance plans available in Hawaii; the facilities depend on your insurance provider and the plan you choose.

What is the best dental insurance with no waiting period in Hawaii?

There are many plans that come without a waiting period. At the end of the day, it depends on which one best meets your needs and requirements.

Are there any significant discounts?

Yes, there may be discounts, including Military discounts for active-duty personnel or veterans, combined vision and dental discounts and also senior dental insurance discounts. Again, these discounts differ from one Hawaii dental insurance provider to the other.