Best Dental Insurance in Maine

Last modified: December 27, 2020

Before you start searching for the best dental insurance providers in Maine, you will have to understand how dental insurance really works. This article will help you find the best dental insurance in Maine.

As you can have oral or dental issues at any point in life due to a lack of care or an illness or injury; it is essential to have dental insurance as it saves cost and offers many benefits. The importance of having a good dental insurance plan cannot be overlooked. The first thing you should understand is that medical plans generally don’t cover dental insurance and its services, which is why you will have to get dental coverage separately.

Different types of dental coverage plans have different requirements, and each type has its own unique benefits. The type of coverage you choose depends on your needs. Here are a few dental insurance plans you can benefit from in Maine:

Dental Preferred Provider Organization (PPO)

Dental PPO provides a network of dentists who prescribe an amount or fee for dental services. When you visit a dentist within the network, you only have to pay a portion of the total cost (known as copay), and your dental insurance covers the rest. You can also choose a dentist outside of the network, but you will have to pay higher fees for that.

Dental Health Management Organization (DHMO)

Dental Insurance in Maine is also known as a prepaid dental plan. Under DHMO, dentists within the network are paid a certain amount according to the number of people in the plan. You get to choose one dentist as your primary provider. The DHMO offers affordable dental services and even a few free-of-cost services such as preventive check-ups. DHMO plans have lower premiums compared to PPO plans and usually don’t have deductibles or annual maximums. However, if you choose to visit a dentist outside the network, you might have to cover the bill on your own.

Indemnity Plans

Indemnity plans offer a wide network of dental care providers. An indemnity plan allows you to pay for the services after receiving the bill. The upfront amount that you pay will be reimbursed to you by the insurance provider.  

Dental Discount Plans

A discount plan is not really an insurance plan; it is more of a discount offer. Under this plan, the network provider works with different dentists to avail discounts on their fees. There are no deductibles, no copays, and no maximums. Moreover, there are no claims to file, but you will be liable to pay an annual or monthly fee for the discounted plan you choose.

Before choosing the type of plan you want, make sure that you research all of the options for the best insurance providers in Maine. Your research can help you decide your coverage needs and requirements.

What Does Dental Insurance Cover?

Maine dental insurance works similarly to medical health insurance. You are entitled to receive certain dental benefits against a monthly premium. Each plan is different; therefore, some will provide a wide range of services, whereas others will have limited options available. The premium payment will also differ for each plan according to the services offered.

Some comprehensive dental insurance plans in Maine also cover specific types of oral surgeries, dental implants, or orthodontia. The most common types of dental services are as follows:

  • Regular cleaning and check-ups
  • X-Rays
  • Fillings
  • Simple extractions
  • Crowns
  • Bridges
  • Root canals
  • Oral surgery

What Does Dental Insurance NOT Cover?

There are certain services which dental insurance does not cover. Some of them are mentioned below:

Major Pre-existing Conditions

Small dental issues such as a cavity can be covered under dental insurance, but major dental issues or diseases that you have from before the start date are not covered under Maine dental insurance. 

 Cosmetic Dentistry

Cosmetic treatments such as teeth whitening are not covered under dental insurance plans.                 

 Orthodontia

Most dental insurance plans don’t offer coverage for braces or any other orthodontic treatments for adults.

How Does Maine Dental Insurance Work?

Plans differ depending on the monthly coverage you opt for and how much you’re willing to pay. You will have to compare different dental plans and policies to find one that matches your requirements at an affordable cost. Most Maine dental insurance plans provide 100%, 80%, and 50% coverage. The insurance company covers the following under this distribution:

  • Preventive Care provides 100% coverage, and it includes regular check-ups, x-rays, dental cleaning, etc.
  • Basic Procedures provides 80% coverage and includes different treatments for oral and dental health such as fluoride treatment, root canals, fillings, cavity cleaning, etc.
  • Major Procedures provide 50% coverage, and it includes certain dentistry procedures such as dentures, implants, bridges, and tooth extractions.

Average Cost of Dental Insurance in Maine

The average cost of dental insurance in Maine is determined by several factors, such as:

  • Premium
  • Deductible
  • Coinsurance or Copayment

The above factors determine how much you pay for dental insurance. The average cost of dental insurance is about $350 per year. In Maine, you can expect your average costs to range from $20 to $50 per month for an individual plan of an adult. Each plan and the person obtaining the plan are different, so the costs vary accordingly. The rates also vary by city, age, gender, pre-existing conditions, coverage offered, and the number of people covered.

How to Find Affordable Dental Care Plans in Maine?

Searching for an affordable dental care plan in Maine is not as difficult as it may seem if you know what type of coverage you want. For instance, a plan with a low price may leave you with many expenses or may require you to cover some major expenses from your own pocket. In this scenario, opting for a plan that pays a higher percentage for the services availed is a better option.

Some dental insurance plans provide a low maximum coverage limit. So a better choice for you would be a plan with a higher maximum benefit since it provides a bigger safety net. This will ensure that you won’t have to pay too much, as your insurance will cover the cost.

Moreover, there are several online platforms available that provide a comparison of different prices and the coverage amount. Before shortlisting the service provider and the desired plan, make sure that you check the reviews.

Are there any significant discounts?

There are a few dental insurance service providers in Maine who provide significant discounts. You can search online and apply for dental insurance and discount dental plans online. Through low-cost Maine discount plans, you can save up to 20% to 60% on dental plan services, including cleanings, root canals, dentures, etc. 

Best Dental Insurance Companies in Maine

Company Best For Key Features Overall Rating
Blue Cross Dental Blue EPO,

Dental Blue PPO

Comprehensive coverage 4
Delta Dental

 

Individual, family, PPO, EPO, Affordable coverage for small business owners 4
AAA Single dental plan for individuals Affordable, comprehensive coverage 4
MetLife PPO, DHMO, Take-Along Dental, Veterans Ideal for veterans 5
Aetna Direct, Vital Savings Dental Discount Card Ideal for people looking for additional coverage at a low cost 3
Cigna Dental 1500, dental 1000, dental preventive Preventive care plans 5

 

Detailed Reviews

Below are some of the detailed reviews of Maine dental insurance companies:

Blue Cross Dental Insurance

Blue cross dental insurance in Maine offers a variety of plans ranging in price and coverage. If you are looking for a basic coverage plan, you can opt for either low annual maximums and low monthly deductibles. You can also choose a higher premium and greater coverage. No matter what you and your family need, blue cross dental insurance has got you covered.

Delta Dental Insurance

Delta dental insurance in Maine provides insurance coverage to many people looking for different options at an average affordable cost. Some plans even offer an annual maximum of $2,000, which is much higher than the normal range of $1,000 or $1,500. Delta Dental is known for providing customizable full-coverage for individual and family plans.

AAA Dental Insurance

AAA dental insurance in Maine offers fantastic deals to its members. You can avail up to 75% off on one of their dental packages. The terms and conditions are mentioned on their website, so be sure to go through those before selecting the relevant plan of your choice.

MetLife Dental Insurance

MetLife dental insurance in Maine offers various plans to different groups of people. So whether you are in search of something affordable or comprehensive, you will find it here. You can benefit from high-quality care as well as choose a skilled dentist from a wide network.

Aetna Dental Insurance

Aetna dental insurance in Maine offers a variety of dental plans at significantly discounted rates. You have the option to avail discounts while choosing to opt for extra coverage if the basic plans don’t meet your needs.

Cigna Dental Insurance

Cigna dental insurance in Maine provides many benefits such as preventive care and better plan options based on affordability. You can also opt for their restorative treatments or other comprehensive treatments such as Cigna 1,500, which covers preventive, restorative, and orthodontic treatments.

FAQs

What kinds of dental insurance are available in Maine?

The choices for dental insurance plans in Maine are similar to health insurance plans. You can choose from dental DHMO, or you can choose from dental PPOs. Dental PPOs provide more freedom to pick your dentist but cost more than DHMO plans.

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

Maine dental plans provide affordable dental savings for individuals and family members. You can even connect with skilled dentists in Maine and other specialists. Spirit dental plans don’t generally include a waiting period and also offer you 3 free of cost cleanings per year instead of the industry average of 2. 

Are there any significant discounts?

There are a few dental insurance service providers in Maine who provide significant discounts. You can search online and apply for dental insurance and discount dental plans online. Through low-cost Maine discount plans, you can save up to 20% to 60% on dental plan services, including cleanings, root canals, dentures, etc.