Best Dental Insurance Mississippi 2021

Last modified: March 1, 2021

If you are looking for affordable Mississippi dental plans, you have come to the right place. Using our detailed guide on the best dental insurance in Mississippi, you would make an informed decision by optimizing the healthcare you receive. This guide includes various factors you need to consider when opting for Mississippi (MS) dental insurance, including:

  • Positive customer reviews
  • Plans that meet coverage needs
  • Affordable and customizable plans
  • Proven financial stability
  • Waiting period
  • Customer service 
  • Easy access to customer service via social media, phone, chat, or email

Moreover, our guide contains information on dental insurance in Mississippi with no waiting period and ways to save on dental care. Read on to know more about substantially saving on dental costs and finding the best dental insurance provider out there!

How Does Mississippi Dental Insurance Work?

Dental Insurance Plans or Benefits?

When searching for dental insurance in Mississippi, you will most probably come across the term dental benefits. Remember that there is a major difference between dental insurance and benefits. While insurance plans absorb the risk involved in a dental procedure, such as when getting a root canal, insurance plans cover expenses according to the risks at hand.

On the other hand, a benefit plan covers some things partially, some things in full, and some things not at all. However,  it is incomparable to the excellent benefits of dental insurance coverage. To get the best coverage of dental insurance in Mississippi, you must have all the necessary details. So, let’s get started!

Types of Plans

While dental plans are similar to health insurance plans, they are some differences too. Generally, the following plans are included in dental care insurance:

Discount or Referral Dental Plan

With the discount or referral dental plan, you can get discounts on dental services from a specific group of dentists. This is where dental insurance differs from health insurance.  You don’t get paid directly for your care in this plan, but the dentists involved agree to provide customers a discount for the care they receive.

Dental Health Maintenance Organization

Dental health maintenance organization is quite similar to health insurance HMO. It offers a large network of dentists willing to accept the dental plan for no fee at all or set up a co-pay. However, you may not be able to visit out-of-network dentists when you sign up for this plan.

Preferred Provider Organization

Dental Preferred Provider Organization (PPO) is quite similar to health insurance PPO. This plan again comes with a list of certain dentists on board with the plan, but it allows policyholders to visit an out-of-network dentist. The resulting out-of-pocket expenses will be higher.

What Do Dental Insurance Plans Typically Cover?

Whether it’s individual dental insurance in Mississippi, senior dental insurance in Mississippi, or any other dental care plan, they all work quite similar to how medical insurance works. By paying a specific premium or monthly rate, you can get  various dental plans,  including the following:

  • Regular checkups
  • X-rays
  • Bridges
  • Root Canals
  • Crowns
  • Fillings
  • Preventive care
  • Cleaning
  • Other services used to promote general dental health

Mississippi indemnity plans for dental care usually cover some portion of the expenses for procedures, like a root canal, oral surgery, crowns, fillings, and preventive care. Dental insurance in Mississippi may also cover periodontics, orthodontics, and prosthodontics. Policyholders generally enjoy coverage for two preventive visits annually. If you opt for an individual insurance policy, you may not benefit from coverage for prosthodontics and periodontics for the first year of the policy. On the other hand, orthodontics usually requires a rider, meaning you need to make some additional payments for any insurance policy.

Most managed-care plans follow the 100-80-50 insurance coverage structure, meaning insurance providers offer coverage for major procedures at 50%, basic procedures at 80%, and preventive care at 100%. However, some dental plans may include procedures, such as dental sealants. Like every other insurance plan, dental plans also have limitations regarding what they provide in a year.

What Do They Not Cover?

Dental insurance plans often don’t cover adult orthodontia, such as installing braces for the straightening of teeth, major pre-existing conditions, and cosmetic procedures like teeth whitening. Pre-existing conditions are those that existed before you enrolled in the dental plan. Therefore, you may have to make out-of-pocket payments for any ongoing dental treatments.

Average Cost of Dental Insurance in Mississippi

Whether you are looking for dental insurance in Jackson, MS, or simply for Mississippi state dental insurance, it is important to know the average cost of dental insurance. Dental care needs to be prioritized by every individual. You need to care for them and maintain their optimal health to maintain your healthy lifestyle.

Talking to a dentist can help you figure out the type of care you need or might need in years to come to determine which dental insurance plans MS is suitable for you. If you don’t have enough savings to cover the expenses of major emergency dental procedures and annual preventative care, you need to opt for the best dental insurance out there! If you have neglected your teeth since forever, today is the time to stop. Learn about dental insurance monthly cost and dental insurance annual cost to find the best dental insurance solutions!

Average Monthly Prices for Dental Insurance

The following is a sample quote chart for a single female under 40 living in Mississippi.

Filling Cleaning Monthly Premium Yearly Enrollment Fee Yearly Total
Humana $81 $25 $9 $15 $254
Cigna $71 $54 $8 $0 $275
Delta Dental $37-$110 $20 + $5 co-pay $10.25 $15 $225-$298

How to Find Affordable Dental Insurance in Mississippi?

Co-pays, HMOs, PPOs, waiting periods, annual caps, deductibles, premiums, and so on; when it comes to dental insurance, there is complicated jargon involved! This can make finding cheap dental insurance quite difficult. Everyone wants coverage that doesn’t put a major dent on their monthly budget and also offers cheap dental insurance with no waiting period when they need it. 

The main purpose of dental insurance plans is to reduce the overall costs of dental care. Typically, insurance providers contact in-network dentists, negotiate lower fees, and pay or cover a certain percentage of that reduced fee. Here is a breakdown of savings involved with dental insurance plans:

Major

Typically, dental insurance pays for 50% of various dental treatments, such as dentures, bridges, crowns, and root canals.

Basic

Most dental insurance plans pay for 80% of the basic costs of uncomplicated dental services, such as simple extractions, fillings, and a few types of deep cleanings.

Preventative

Some dental insurance plans cover 100% of preventive care expenses,  including bitewing x-rays, routine cleanings, and annual checkups.

Whether your goal is to receive retiree benefits dental insurance in Jackson, MS, or any dental coverage in any other region in Mississippi, this guide will help you find it all!

Understanding Dental Insurance Terminology

To find affordable dental insurance, it is important to understand dental insurance terminologies to make well-informed decisions.

Waiting Period

A waiting period is a six-month or a twelve-month time period before your dental plan starts covering major and basic dental procedures.

Pre-Existing Conditions

Pre-existing conditions are those dental problems that you already had before you enrolled in a dental insurance plan.

Deductible, Copay, and Premium

A deductible is the amount of money a policyholder pays out-of-pocket before their coverage begins.

Copay is a flat fee that policyholders pay for any dental service covered by their insurance plan.

The fee paid by the policyholder every month for dental insurance is known as premium.

Best Insurance Companies in Mississippi

Company Dental plans Best for Starting Price
Delta
  • PPO plan
  • A large network of providers
  • No out-of-pocket cost for preventive care
  • Some Delta Dental plans include orthodontic care
  • PPO plan for individuals: $64.92
  • PPO plan for an average family of four: $213.34
Humana
  • Dental Preventive Plus PPO
  • Dental Loyalty Plus PPO
  • Complete Dental PPO
  • Plans that meet your unique needs and budget
  • Works with more than 270,000 dentists nationwide
  • Plans include preventive care at 100% coverage
  • Dental Preventive Plus PPO: $17.99
  • Dental Loyalty Plus PPO: $31.99
  • Complete Dental PPO: $40.99
Cigna
  • Cigna Dental 1500
  • Cigna Dental 1000
  • Cigna Dental Preventative
  • A broad network of more than 90,000 dentists available nationwide
  • Coverage for orthodontic care and restorative care
  • Covers preventative care with no copayments or deductibles
  • Cigna Dental 1500: $35
  • Cigna Dental 1000: $30
  • Cigna Dental Preventative: $19
Blue Cross & Blue Shield
  • Individual and family plans
  • Employer group plans
  • Medicare Plans
  • Exclusive discounts and partnerships
  • Comprehensive coverage options
  • N/A

Detailed Reviews

Delta Dental Insurance, Mississippi

While the details of the dental plans that this insurer offers vary from state to state, it has a large network of Delta Dental insurance Mississippi dentists. Delta Dental has a network of around 348,000 expert dentists offering premium services. Those dentists are available for customers through the Delta Dental Premier and Delta Dental PPO plans. The company boasts an AM Best rating of A that proves that its financial strength is noteworthy.

Delta Dental provides various insurance types, including plans that cover orthodontic care. Preventive care that includes x-rays, cleanings, and other similar services are covered at 100%. Moreover, major and basic services, like crowns, implants, and root canals are covered at 50%. Whether you are looking for dental insurance for children or adults, you can find the solution with Delta Dental!

Humana Dental Insurance, Mississippi

Humana offers DHMO, PPO, value plans, and several discounts, in which the value plans enable every customer to fulfill their unique dental care needs. Humana has an AM Best rating of A-, meaning it has a solid financial strength. Humana offers potential policyholders the option to select from a network of over 270,000 dentists across the U.S. Like Delta Dental, Humana offers 100% coverage for preventive care.

Cigna Dental Insurance, MS

Cigna dental insurance monthly cost is quite affordable as it is a global health service company. The company has an AM Best rating of A. With high points for financial strength, this dental insurance company is an excellent choice for individuals looking to benefit from a nationwide network of about 90,000 dentists! Cigna also offers 24/7 customer support. The individual dental plan comes with no deductibles and no copays with in-network doctors for preventive care.

Blue Cross & Blue Shield, Mississippi

Blue Cross & Blue Shield offers excellent insurance coverage for intensive dental procedures and preventive care. It covers regular checkups, root canals, x-rays, cleanings, and fillings. Through the ‘Ask a Hygienist’ program, customers can also receive personalized dental health advice. The company is an established health insurance provider with a large number of coverage plans available. The provider network is quite expansive, and you can easily find a dentist near you that accepts insurance. Blue Cross & Blue Shield offers insurance coverage in all 50 states and outside the country.

In Conclusion

We hope that with all the aforementioned information on dental insurance, Mississippi, you found something worth your while!

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

What kinds of dental insurance are available in Mississippi?

Like medical insurance plans, dental insurance plans are also usually categorized as managed-care plans or indemnity plans. In Mississippi, with indemnity plans, carriers must pay for covered services only after they receive a bill. Therefore, policyholders may have to pay costs upfront and receive reimbursement from their insurance carrier later.

When it comes to managed-care plans, dental provider networks are typically maintained. Dentists in Mississippi participate in a network and agree to provide patients with services at pre-negotiated costs. Your dentist will be responsible for submitting the claim to the relevant dental insurance provider on your behalf in managed-care plans, which means lower out-of-pocket expenses and less paperwork for you.

How much is dental insurance that covers implants?

The cost of dental insurance that covers implants usually depends on the insurance laws of the state you reside in, the type of dental service you need, the dentist you see, and several other factors.

What is the best dental insurance with no waiting period?

Following are some of the best dental insurance providers with no waiting period:

  • Humana
  • Delta Dental
  • MetLife
  • Ameritas
  • Spirit Dental
  • UnitedHealthcare
  • Denali Dental