If you’ve had a lot of dental work in the past or you anticipate needing some dental treatment soon, it’s important to have dental insurance for many reasons. The majority of people that have dental insurance get it from their employer, family member or a Medicare Advantage plan. However, gig workers, retirees, self-employed workers and others may need to purchase dental insurance, and there are hundreds of plans to choose from. DenScore will help you find the right dental insurance so you’re able to get the most affordable and best dental care possible.

How does DenScore rank the best dental insurance plans?

Choosing the right dental insurance can be tricky, especially when considering the dental plan’s cost, covered procedures, waiting periods, rules/restrictions and more. DenScore has analyzed every dental insurance plan in each state and ranked the top plans so you can choose the best one for your specific needs.

Will dental insurance help me save money on dental care?

It depends. Some dental insurance companies and Medicare Advantage plans use misleading language and “bait and switch” tactics in order to sell more policies. If you mistakenly choose one of these plans, you probably won’t save much money on dental care and you may actually lose money if you’re paying high monthly premiums. The easiest way to save money with dental insurance is by choosing an in-network dentist when you need dental work. For more tips on how to save money when using dental insurance, check out DenScore’s FREE online dental tool, which is available 24/7!

What are other things I need to know about dental insurance?

As a general rule of thumb, you’ll save the most money by getting a dental insurance plan with a high annual maximum of at least $2,000 and low coinsurance for expensive procedures that minimize your out-of-pocket costs. For expensive procedures such as crowns, root canals and dentures, it’s best to find a dental plan that covers at least 50% of these costs (50% coinsurance). Some dental plans will also cover a portion of the costs for cosmetic procedures such as braces/aligners, teeth whitening, and dental implants.

Should I get a PPO or HMO dental insurance plan?

Preferred provider organization (PPO) plans are better than health maintenance organization (HMO) plans for many reasons. Even though HMO dental insurance plans have lower monthly insurance premiums, you’ll pay high copays for most dental procedures and HMO plans are not popular with dentists, which means you’ll have a difficult time finding a high-quality dentist that accepts your HMO dental insurance. If you’d like more information about PPO and HMO insurance plans or you have questions about anything else, visit DenScore’s website and reach out to us anytime!

Note: Some dentists may pay DenScore a fee for being included on this list. However, DenScore will never recommend dentists that don’t meet our strict quality control standards.

Rank Dental Plan Reason For Being Chosen Cost
1 Delta Dental In addition to covering 100% of the cost of basic procedures such as fillings, Delta Dental covers 100% of the cost of most major procedures such as root canals, gum surgery and bone grafts. Click here to get a quote today
2 Cigna Cigna offers multiple plans that cover 80% of the cost for basic procedures (i.e. fillings, extractions) from Day 1 and 50% of the cost for major procedures (i.e. crowns, root canals) after a six-month waiting period. Click here to get a quote today
3 MetLife MetLife has a PPO plan which covers 80% of the cost of basic procedures after a six-month waiting period and 50% of the cost of major procedures after a twelve-month waiting period. Click here to get a quote today

Why isn’t my dental insurance on this list?

Maybe we overlooked something about your dental insurance plan! If you’re happy with your dental insurance, please let us know!