Dental Insurance Nebraska: Our Top Picks 2021

Last modified: December 11, 2020

Dental care can be expensive and often put a dent in your wallet, especially if you need treatment beyond the usual cleaning and routine work. Finding an affordable dentist in Nebraska is a challenge, and many people can barely cover the cost of dental care even if they do find a reasonable dentist.

However, that certainly doesn’t mean you have to skip the routine visits because dental insurance in Nebraska does offer affordable dental plans without burning a hole in your pocket.

Some of these plans not only cover the cost of preventive and maintenance care but also partially cover expensive procedures, like dental implants and root canal therapy.

To help you find the best choice and health dental insurance in Nebraska, we’ve created a detailed guide with a list of some of the top dental insurance companies in this state. If you are on the other hand looking for insurance outside Nebraska – we recommend you look at our list of top dental insurance providers

When choosing a dental insurance company for your dental care in Nebraska, you need to consider a few important things. These include:

  • Financial stability
  • Customer service 
  • Waiting period
  • Options for access to customer services, such as phone, email, chat, or social media
  • Positive and satisfied customer reviews
  • Affordable plans
  • Customization options
  • Plans that meet coverage needs

How Does Nebraska Dental Insurance Work?

Medical insurance generally works almost the same everywhere in the world, and Nebraska dental insurance isn’t any different.

There’s a specific monthly rate, also referred to as ‘premium,’ in which you are entitled to multiple dental benefits. These benefits usually include the following:

  • Regular checkups
  • Cleaning procedures
  • X-rays
  • Other services that help promote good general dental health.

Some plans are more extensive in terms of the kind of coverage they provide and offer broader coverage than others. For instance, they may provide coverage for different types of oral surgeries, fillings, bridges, root canals, dental implants, and orthodontia.

On the other hand, there are a few policies for dental insurance in Nebraska that require a greater financial contribution on your part to avail of the desired services.

Some plans do cover visits, but others don’t. This eventually depends on the type of dental insurance plan that you choose.

What Do They Not Cover?

There are a few procedures that Nebraska dental insurance doesn’t cover, including:

  • Cosmetic dentistry – procedures, such as teeth whitening and enamel shaping.
  • Major preexisting – oral and dental health conditions that were diagnosed before an individual chooses an insurance plan.
  • Adult orthodontic – braces that help straighten the teeth.

Average Cost of Dental Insurance in Nebraska

The average cost of Nebraska dental plans and insurance policies greatly varies depending on many factors, such as level of coverage, your health history, and age.

You can expect to pay between $15 and $50 per month or $360 a year for dental insurance. However, again, the costs vary according to the insurance plan you purchase.

A majority of plans come with a maximum annual benefit and coverage limit that typically falls between $1,000 and $2,000.

There are many affordable dental insurance Nebraska plans and policies that cater to both individuals and groups of people, such as large families or employees.

How to Find Affordable Dental Care Plans In Nebraska?

Finding affordable dental care is a challenge for people everywhere in the world, but that doesn’t mean cheap dental insurance options don’t exist.

There are many Nebraska Discount Dental Plans that offer various packages to meet your needs and overall budget.

You must keep a few things in mind when exploring affordable dental care plans and insurance policies in Nebraska, including:

  • The company needs to be financially stable.
  • The company should have a good overall rating on agencies, like AM Best.
  • It should have prompt customer service that provides great access to customers through multiple channels, such as email, phone, live chat, or social media.
  • It should have plans with affordable monthly premiums.
  • A range of covered treatments and procedures to suit your needs.

When opting for a family dental insurance plan, you need to make sure that the company covers other conditions and treatment for children, adults, and seniors.

Best Insurance Companies In Nebraska

Take a look at our detailed reviews of some of the best dental insurance companies in Nebraska to make your decision easier.

Delta Dental of Nebraska

From individual and family plans to small business plans and retiree plans, Delta Dental of Nebraska offers amazing plans to protect your smile for the many years to come!

This is a leading dental benefits provider in Nebraska aiming to improve oral health in the community by providing increased access to a wide range of affordable dental benefit plans to its people.

It has a variety of plans for individuals and families. The exact price depends on the type of insurance plan you choose and where you live in Nebraska.

Lincoln Dental Plans

Are you looking for top dental discount plans without dental insurance, affordable membership fees, convenience, and inexpensive dental care plans? Lincoln Dental Plans (LDP) in Nebraska is your best option.

This company provides increased access to dental discount plans that help create a difference in your life.

Their membership coverage includes:

  • Dental x-rays – 100%
  • Comprehensive exam – 100%
  • 2 emergency exams – 100%
  • 2 routine dental cleanings coverage (every 12 months) – 100%
  • Discounts on selective procedures – 25%

Furthermore, LDP also offers great discounts on the following procedures:

  • Regular Cleanings
  • Deep Cleanings
  • Periodontal Maintenance
  • Dental Crowns (Excluding Cosmetic Crowns)
  • White Fillings
  • Root Canals
  • Professional Teeth Whitening
  • Night Guards

Mutual of Omaha

This dental care provider in Omaha, Nebraska, offers both dental savings plans and dental insurance options so you can find the right solution to fit your health care needs and your budget.

Mutual of Omaha provides the following insurance policy options:

Mutual Dental Protection

What you pay

Monthly cost – $34.50 for dental insurance

Calendar Year Deductible – $100 per year all services combined

What this policy pays after you meet your deductible:

  • Preventative Services: 100%
  • Two cleanings per year
  • X-rays
  • Major Services: 50%

After a 12-month waiting period, this plan pays for:

  • Crowns
  • Dentures
  • Bridges
  • Root Canals
  • Periodontics
  • Basic Services: 50%
  • Fillings
  • Simple Extractions
  • Emergency Treatment
  • Calendar Year Benefit: $1,000

This is the maximum amount the policy pays each calendar year for all covered services

Lifetime Maximum Benefit for Implants: $2,000

This is the maximum amount the policy pays for dental implants

Mutual Dental Preferred

What you pay

Monthly Cost $60.34 for dental insurance

Calendar Year Deductible$0 per year for preventative services, $50 per year for basic & major services

What this policy pays after you meet your deductible:

  • Preventative Services: 100%
  • Two cleanings per year
  • X-rays
  • Basic Services: 80%
  • Fillings
  • Simple Extractions
  • Emergency Treatment
  • Calendar Year Benefit: $1,500

This is the maximum amount the policy pays each calendar year for all covered services

Major Services: 50%

After a 12-month waiting period, this plan pays for:

  • Crowns
  • Dentures
  • Bridges
  • Root Canals
  • Periodontics
  • Lifetime Maximum Benefit for Implants: $3,000

This is the maximum amount the policy pays for dental implants

Blue Cross Blue Shield of Nebraska

Blue Cross Blue Shield of Nebraska brings you improved and innovative health coverage solutions, including dental care plans. It offers the following dental insurance plans:

Preventive Plus

Deductible – $50 per person per calendar year

Annual Benefit Maximum – $1,000 per person per calendar year

Enhanced

Deductible  – $100 per person per calendar year

Annual Benefit Maximum – $1,500 per person per calendar year

Premier

Deductible – $100 per person per calendar year

Annual Benefit Maximum – $2,000 per person per calendar year

Ameritas Dental Insurance Nebraska

Dental plans offered by Ameritas Dental Insurance Nebraska provide day-one benefits on most of its dental insurance plans. If you go with network providers, preventive visits are covered at 100%. Network providers also charge 25-50% less than their regular rates, which is a great way to save money.

Actual savings and the exact cost for dental insurance are different depending on your area and the procedures performed.

Cigna Dental Insurance Nebraska

As your partner in health and wellness, Cigna Dental Insurance Nebraska offers dental plans starting at $35 per person per month.

You can choose any Cigna Dental plan with or without a Cigna medical plan. There are probably more than 17 million U.S. consumers that have chosen Cigna dental insurance, mainly because of affordable plan options, a variety of dentists to choose from, and convenient locations all across the U.S.

Take a look at some of the best Cigna dental insurance plans in Nebraska.

Cigna Dental 1500 (per person, per month, starting from $35)

Preventive

You pay $0

In-network, no deductible

Restorative

Covered up to $1,500

Per year, after deductibles and coinsurance

Deductible

Individual: $50

Family: $150

Orthodontia

Covered up to $1,000

Lifetime limit, separate deductible, coinsurance

Cigna Dental 1000 (per person, per month, starting from $30)

Preventive

You pay $0

In-network, no deductible

Restorative

Covered up to $1,000

Per year, after deductible and coinsurance

Deductible

Individual: $50

Family: $150

 

Orthodontia

Not covered

In-network discounts available

Cigna Dental Preventative (per person, per month, starting from $19)

Preventive

You pay $0

In-network, no deductible

Restorative

Not covered

Deductible

Individual: None

Family: None

Orthodontia

Not covered

 

 

This is a comprehensive guide on everything that you need to know about dental insurance in Nebraska.

Now you know how dental insurance works in Nebraska, along with the top dental insurance companies and providers in the state, and can make a better and well-informed decision for yourself and your family.

Pros & Cons

The Pros

The Cons

Final Verdict

FAQs

What kinds of dental insurance are available in Nebraska?

There are numerous kinds of dental insurance plans available in Nebraska. The type and the respective coverage offered typically vary from one provider to the other. However, you can find some affordable dental healthcare plan options through PPO and DHMO dental plans.

What is the best dental insurance with no waiting period?

Many PPO plans in Nebraska offer the best dental insurance without waiting periods. You can choose any dentist you like, but you save money when selecting an in-network dentist. Best of all, they provide basic dental healthcare services at highly reduced prices. You might not even have to worry about deductibles, or maximum benefit limits in special cases, apart from extensive waiting periods.

Are there any significant discounts?

Yes, there can be significant discounts, depending on the insurance provider.

Some offer discounts, but others don’t. It also depends on the type of insurance plan that you choose.