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Best Vermont Dental Insurance Companies

Last modified: Sep 29, 2022

Are you considering buying dental insurance in Vermont? Do you know what benefits it offers?

Anyone can develop dental issues at any time, either as a result of an accident,  illness, or negligence. Vermont dental insurance companies can provide you with coverage that can both save you money and help ensure dental health!

In this review, you will learn about all the essential details related to Vermont dental insurance providers and dental independent plans. You will be fully equipped to choose the best dental insurance in Vermont according to your needs. If you want a dazzling smile and you live outside Vermont- make sure to check out our list of best dental insurance providers nationwide.

How Does Vermont Dental Insurance Work?

Vermont dental insurance plans work similarly to medical insurance. For a particular monthly rate (premium), you are eligible for pre-determined dental benefits, typically involving:

Some dental insurance plans in Vermont will provide you with broader coverage than others. But it may require superior financial support on your part when services are rendered.  

Dental Insurance Plans in Vermont

Parallel to medical insurance plans, dental plans in Vermont are usually categorized as either managed-care or indemnity plans. The two have the following differences:

Vermont indemnity plans: Typically, this plan provides a greater selection of Vermont dental insurance providers than managed-care plans. With an indemnity plan, the insurance carrier pays for insured services only after it is provided with a bill. 

This means that you might have to pay upfront for the services and later obtain reimbursement from your insurance provider.  

Vermont managed-care plans: These plans maintain Vermont dental insurance providers' network. Dentists participating in a network in Vermont agree to provide services for patients at predetermined rates and generally will submit claims to the dental insurance provider for you.

Comparing the two plans, you will have lower out-of-pocket costs and less paperwork with a Vermont managed-care dental plan, whereas a greater choice of dentists with an indemnity plan.

How to Obtain Dental Insurance in Vermont?

Lots of dental and vision insurance providers in Vermont offer dental plans that you can get at any time. This can usually help you get better coverage as opposed to bundling it with a health plan. 

Moreover, there's a possibility to get some dental and vision insurance plans in Vermont outside the"open enrollment period".

There are several dental plans in Vermont available year-round. Mostly, we suggest getting separate vision and dental plans from your insurance provider, as they typically offer more benefits and are more competitive.

Keep in mind, though, that certain Vermont dental insurance companies require that you either experience a qualifying event, sign up during open enrollment or must be purchasing a medical plan at the same time. 

What Is Typically Covered by Dental Insurance Plans in Vermont?

Vermont dental insurance plans typically cover:

Whether you're choosing a dental plan for yourself or your family, it's crucial to determine which dental plan best fits your needs as every dental plan comes with a wide range of coverage options. You might have individual dental insurance in Vermont, dental insurance in Vermont with no waiting period, or senior dental insurance for the elderly residents of Vermont.

Does It Cover Visits?

Yes, Vermont dental plans cover routine visits and regular procedures such as cleaning, filling, examinations, etc.

What Do They Not Cover?

Dental plans Vermont do not pay for the following services:

Average Cost of Dental Insurance in Vermont

What Is the Average Cost of Dental Insurance in Vermont?

In most cases, people pay around $360 a year for their dental insurance. That equals between $15 and $50 per month for a dental insurance plan. Vermont dental insurance average cost will vary depending on your dental plan and the place you live in.

In most cases, dental insurance plans come with a maximum yearly coverage limit or benefit; the limit typically falls between $1,000 and $2,000. Vermont is one of the American states with the highest dental treatment costs.

Dental Insurance Costs 

We've listed below the Vermont dental insurance average costs for different treatments to give you a better idea about the pricing in the state.

Dental Treatment Service Dental Price/Estimated Cost in Vermont
Braces $6,570
Bridge $1,960
Crown or Cap $1,083
Dentures $1,560
Extraction $345
Filling or Repair $220
Sealant $45
Root Canals (Endodontics)   $1,147
Cleaning $84
X-rays $113

How to Find Affordable Plans in Vermont?

You can use platforms like Healthcare and eHealth to find affordable dental insurance in Vermont in just a few minutes. They give you quotes from top Vermont dental insurance providers, compare costs, copays, premiums, deductibles, and coverage levels.

What Factors Influence Dental Insurance Rates?

Dental insurance rates vary greatly due to a number of factors such as:

Are there discounts available?

Yes, numerous dental insurance providers offer discounts when care plans are bundled or purchased alongside a medical plan.

Best Dental Insurance Companies in Vermont

Company Best for Key Features Overall Rating
Cigna Overall dental care

  • Restorative care
  • Orthodontic care
  • No deductibles
  • No copay 
  • 90,000 dentists’ network

Guardian Straightforward policies 

  • Preventive care
  • 120,000 providers

United Healthcare Basic coverage 

  • No waiting for basic and preventive coverage
  • Low coinsurance fees for basic services
  • Affordable monthly premiums

Physicians Mutual For seniors 

  • No lifetime or annual limits on benefits
  • No waiting period for preventive care
  • No deductibles
  • Specialized pricing for senior people 

Delta Dental Orthodontic care

and affordable care

  • A large network of providers
  • Preventive care
  • Multiple orthodontic care plans
  • No out-of-pocket cost for preventive care


Detailed Review: Best Dental Insurance Vermont

Cigna dental insurance in Vermont

Cigna dental insurance in Vermont offers comprehensive and affordable dental insurance plans throughout the state. Coverage is available in several parts of Vermont from just $17 per month

All of its plans involve 100% coverage for preventive dental care, such as exams, x-rays, and routine cleanings.

Deductibles on Cigna dental plans are also low - you will pay just $50 annually on an individual dental care plan and $150 annually on a family plan.

Delta Dental Insurance in Vermont

Delta Dental insurance in Vermont is a nonprofit dental insurance company that offers affordable dental coverage for families, individuals, and business owners. Dental plans for individuals start from just $27 per month in most parts of Vermont and give comprehensive coverage options.

Physicians Mutual Dental Insurance in Vermont

Physicians Mutual dental insurance in Vermont offers plans that are particularly good for seniors as they involve coverage for up to 50 procedures, including dentures and crowns. 

Physicians Mutual dental insurance does not involve any deductibles, and coverage for preventive care begins right away. Moreover, it comes with no lifetime or annual benefit limits on your coverage.  

United Healthcare Dental Insurance in Vermont

UnitedHealthcare dental insurance in Vermont is best for basic coverage with many affordable options that encompass all of your basic dental needs. Most policies by UnitedHealthcare impose no waiting period for basic services. They are accompanied by low rates that reduce each year if you stay with a single provider.

Guardian dental insurance in Vermont

Guardian dental insurance in Vermont covers cleanings, regular exams, x-rays, crowns, root canals, implants, and braces. You can choose from a number of PPO (Preferred Provider Organization) plans or a DHMO (Dental Health Maintenance Organization) plan based on your budget and specific needs.  

There you have it – all the essential information you need to know about the best dental insurance in Vermont and some of the best dental insurance providers in the state.


What kind of dental insurance is available in Vermont?

The following are three common types of dental insurance available in Vermont:

Fee-for-service or indemnity dental care plans - Indemnity plan allows you to choose a dental care provider, and your insurance carrier company pays a certain percentage of the provider’s fee.

Preferred Provider Organization (PPO) plans - In a PPO plan, you pay lower fees to avail of the services of ‘in-network’ or ‘preferred’ dental providers.

Health Maintenance Organization (HMO) plans - This plan allows you to visit a dental care provider only in the insurance network.

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

Delta Dental offers one of the best dental insurance with no waiting period in Vermont.

Are there any significant discounts?

No, there aren’t any significant discounts. You can purchase bulk packages or lower-priced insurance packages in case you are seeking financial relief.

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