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 | Ameritas | Ameritas’ Primestar Complete plan covers 20% of the dental implant costs from Day 1 and 50% of the dental implant costs after being enrolled for twelve months. There is no lifetime maximum benefit for dental implants but the cost of a dental implant counts towards a member’s $2,500 annual maximum benefit. | Click here to get a quote today |
| 2 | Mutual of Omaha | Mutual of Omaha has two plans which offer either a $2,000 or $3,000 lifetime benefit for dental implants. The best thing about this plan is that members do not have a waiting period in order to receive dental implant coverage. | Click here to get a quote today |
| 3 | MetLife | MetLife has two PPO plans which cover 50% of the dental implant costs after a twelve-month waiting period up to a $1,500 or $2,000 annual maximum. Implant services are covered only once every 10 years for the same tooth position. Members do not have a lifetime maximum benefit for dental implant services. | Click here to get a quote today |
| 4 | UnitedHealthcare | UnitedHealthcare’s best plan covers 50% of the dental implant costs after a twelve-month waiting period. However, there is only a $1,500 lifetime dental implant so if you need more than one dental implant, this is not the best plan or you. | Click here to get a quote today |
| 5 | Cigna | Cigna has a PPO plan which covers 50% of dental implant crown costs after a twelve-month waiting period up to a $3,000 annual maximum but other implant services are not covered. | 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!
Copyright © 2024 DenScore