We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more. Dental care is a key component of your overall health, but it's not included in most health insurance plans. The good news is that dental insurance may be more affordable than you think. You can find a plan individually, or your employer may pay for all or part of your dental coverage as part of your benefits package. Dental insurance typically covers routine cleanings as well as more serious procedures like fillings and crowns. The best dental insurance plans come with affordable monthly premiums, great coverage, and high customer satisfaction. Some dental insurance plans have a waiting period before you can receive full coverage, but others allow you to start taking advantage of benefits right away. Here are some of the best dental insurance providers on the market. Best Dental Insurance Providers Best Dental Insurance Providers Final Verdict Compare Providers FAQs Methodology Why We Chose It We chose UnitedHealthOne dental insurance for its affordable, accessible family dental plans. UnitedHealthOne offers 10 different dental plans and comes highly rated by AM Best. Pros & Cons Pros 10 different plan options Affordable monthly premiums Cons May have a waiting period for some services Poor coverage for orthodontics Overview Dental coverage through UnitedHealthOne is available in both individual and employer plans. Golden Rule Insurance Company, which underwrites many of UnitedHealthOne's individual insurance products, is rated "A+ (Superior)" by AM Best. Its rating indicates the financial strength and stability of UnitedHealthOne's products. These are six of United's most popular dental plans, along with their noted benefits: Why We Chose It Delta Dental is our top pick for families on a budget thanks to its affordable plans for the whole family. It also offers an HMO dental plan with no deductibles or annual maximums, making it easier for you to afford the coverage you need. Pros & Cons Pros HMO plan with no deductibles or annual maximums Affordable cost Cons Not all procedures are covered depending on your plan Some plans have a waiting period Overview Delta Dental is the largest provider of dental benefits in the United States with a network of more than 155,000 practicing dentists nationwide. Delta Dental has an "A (Excellent)" rating from AM Best, which affirmed the financial strength rating and the issuer credit ratings for the company. Delta Dental offers individual and group plans as well as plans through the Affordable Care Act's health insurance marketplace.Delta Dental offers plans designed to help families on a budget. The following is an overview of two Delta Dental insurance plans: Why We Chose It Humana is a great option if you’re looking for discounts on your dental insurance policy. This insurer regularly offers discounted fees when you use an in-network provider. Pros & Cons Pros No waiting period on some plans Discounts from in-network providers Cons Higher premiums on many plans High co-insurance rates Overview Humana offers dental insurance plans for individuals and groups. According to the company's website, enrollees may save 10% to 60%, depending on their plan, when they get dental services from a dentist in a dental network. The dental plans listed below are available with the noted benefits: Read the full Humana Dental Insurance review. Why We Chose It Cigna Dental is a great choice for patients who travel a lot because it provides a nationwide network at affordable rates. Pros & Cons Pros Large dental provider network Cons Not all plans available in every state Overview Cigna offers three different dental plan options through its network of more than 92,000 dentists. Cigna’s dental network spreads nationwide offering access to dental care while away from home if you travel often. Cigna has an "A (Excellent)" rating from AM Best, indicating that the company has solid financial strength. The following are Cigna Dental's individual insurance plans: Read the full Cigna dental insurance review. Why We Chose It Ameritas is our top pick for a dental insurance plan with a rewards program. Enrollees can increase their annual maximum benefit by making annual visits to the dentist. Pros & Cons Pros Ability to earn rewards and increase the maximum benefit Preventive services are 100% covered Cons Limited orthodontic coverage Overview Ameritas is well known in the insurance industry as a top provider of dental insurance. It also offers a Dental Rewards program through which enrollees can increase their annual maximum benefit to help pay for more expensive procedures in the future by visiting a dental provider each year and submitting a claim. The company has an “A (Excellent)" rating with AM Best and an “A+ (Strong)” rating with Standard & Poor's. Here are some features that come standard with all Ameritas dental plans: Our top pick for dental insurance is UnitedHealthOne. UnitedHealthOne offers competitively priced dental insurance plans for the whole family. Patients can choose from 10 different dental plans with varying levels of coverage. UnitedHealthOne received an A rating in financial stability from AM Best, so it will be able to cover the cost whenever you file a claim. Dental insurance typically covers teeth cleanings, preventive care, crowns, and fillings. Some dental insurance also covers a portion of orthodontics, periodontics, and prosthodontics. All plans exclude treatments performed by practitioners who aren't licensed dentists or who aren't working under the supervision of a licensed dentist. Treatments that can be categorized as medical rather than dental usually aren't covered. Insurers typically won't pay for experimental procedures either. Deductibles can be as low as $50, but the number of services covered per year may have a cap, such as $1,000 or $1,500. You may be required to stay within a network or risk paying more for out-of-network providers. Dental insurance usually covers only a portion of the procedures and preventive care you require. You may be better off paying out of pocket for annual checkups and cleanings and nothing more. But, as with health insurance, your savings can be substantial if you need an unexpected procedure such as a root canal. If your employer offers dental insurance coverage as part of its benefits package, it’s generally cheaper than purchasing this insurance on your own. You'll pay a monthly premium as you would with health insurance and you'll have to meet a deductible before the insurance provider pays for your services. We considered several factors when compiling this list of dental insurance providers. We looked for companies that offered several different plan options to choose from. We also selected insurance companies with high financial strength and customer satisfaction ratings. Finally, we looked for plans with low costs and excellent coverage options for both preventive care and major procedures. Article Sources AM Best. “AM Best Upgrades Credit Ratings for Most UnitedHealth Group Incorporated Life/Health Subsidiaries.” UnitedHealthcare Golden Rule Insurance Company. "Dental Primary Plans." UnitedHealthcare Golden Rule Insurance Company. "Dental Essential Plans." UnitedHealthcare Golden Rule Insurance Company. "Dental Premier Plans." Delta Dental. "Get the Most Value From Your Insurance by Visiting an In-Network Dentist." AM Best. "AM Best Revises Issuer Credit Rating Outlook to Positive for Delta Dental of California and Its Affiliates.” Delta Dental. "Dental Plan Options." Humana. "The Scoop on Dental Discount Plans." Humana. "Loyalty Plus Dental Plan." Humana. "Preventive Value." Humana. "Bright Plus." Humana. "Dental Savings Plus." Humana. "Complete Dental." Cigna. "Cigna Dental 1500." Businesswire. “AM Best Affirms Credit Ratings of CIGNA Global Insurance Company Limited.” Cigna. "Cigna Dental 1000." Cigna. "Cigna Dental Preventive Plan." Ameritas. "Earn Rewards for the Benefits You Use Most." S&P Global. "RatingsDirect Ameritas Life Insurance Corp." AM Best. "Ameritas Life Insurance Corp." Ameritas. "Dental."Best Dental Insurance Providers of 2024
Best for Family Plans : UnitedHealthOne Dental Insurance
Best for Families on a Budget : Delta Dental Insurance
Best for Discounts : Humana Dental Insurance
Best for Nationwide Coverage : Cigna Dental Insurance
Best for Rewards Programs : Ameritas Dental Insurance
Final Verdict
Compare the Best Dental Insurance Providers
Company Plans Providers In-Network Coverage Limit Waiting Period UnitedHealthOne
Best for Family Plans10 100,000 $1,000 to $3,000 Varies Delta Dental
Best for Families on a Budget2 155,000 $500 to $2,500 Varies Humana
Best for Discounts3+ 270,000 $1,000 to Unlimited Varies Cigna
Best for Nationwide Coverage3 92,000 $1,000 to $1,500 Varies Ameritas
Best for Rewards Programs3 Unknown $750 to $2,500 Varies Frequently Asked Questions
What Does Dental Insurance Cover?
What Does Dental Insurance Typically Exclude?
How Much Does Dental Insurance Cost?
Is Dental Insurance Worth the Cost?
Methodology
FAQs
Which insurance has the best dental plan? ›
The best dental insurance companies are Anthem and Guardian, according to our analysis of large dental insurers. Anthem's Essential Choice PPO Platinum plan received five out of five stars in our evaluation.
Which medicare advantage plan has the best dental coverage in 2024? ›Best Overall AARP/UnitedHealthcare
UnitedHealthcare offers the largest dental network of Medicare Advantage providers and many plans have no annual deductible for covered dental services. The company is well-rated and offers affordable plans.
As the largest dental insurer in the United States, Delta Dental and its 39 independent dental insurance companies offer comprehensive dental coverage in all states, Puerto Rico and other U.S. territories.
What is the highest annual maximum on dental insurance? ›Most dental insurance plans have a designated annual maximum—which refers to the total amount your dental insurance policy will pay for dental services on your behalf over the course of the 12-month benefit period. The average dental annual maximum typically falls between $1,000 and $2,000.
How much do most people pay for dental insurance? ›Monthly premiums
The premium is a monthly amount that you and/or your employer pays for insurance. The premium amount may vary between different insurance companies and from plan to plan. A typical premium amount for a dental plan may be $20–$50 per month for an individual or $50–$150 per month for a family.
- Argus Dental. When you're on the hunt for dental plans for seniors on Medicare, it's worth checking out the options offered by Argus. ...
- Spirit Dental. ...
- Renaissance Dental. ...
- Denali Dental. ...
- Delta Dental. ...
- 6. California Dental.
Tens of thousands of Medicare Advantage beneficiaries in California, for instance, had to scramble to switch their insurance or their providers when health care system Scripps Health announced that two of its medical groups would no longer take Medicare Advantage in 2024.
What is the Medicare premium for 2024? ›The Centers for Medicare & Medicaid Services (CMS) has announced that the standard monthly Part B premium will be $174.70 in 2024, an increase of $9.80 from $164.90 in 2023.
Which is better for Medicare Aetna or Blue Cross? ›Aetna and Blue Cross Blue Shield both sell Medicare Advantage plans throughout most of the United States. Aetna has more availability, with 47 states versus 42 for BCBS. Our research found that Aetna Medicare Advantage plans performed better on average versus BCBS Medicare plans.
What is the average cost of dental insurance in the US? ›According to a recent study, in 2020, the average annual expenditure on dental care insurance in the United States was $128.75 per person. Dental deductibles are usually much lower than the deductibles for major medical coverage, and they typically pay between 50% to 100% of the cost for covered dental services.
What US state has the best dental care? ›
A preferred provider organization (PPO) is one of the most common types of plans available. Dentists join a PPO network and negotiate their fee structure with insurers.
How much is Delta dental insurance a month in California? ›Dental insurance plans from Delta Dental cost between $26.59-$180.80 per month depending on your level of coverage. This is the based on average pricing for plans from eHealth. Get a personalized quote to see what may be available for you.
What is the average cost for dental insurance in California? ›The average dental insurance premium in California is $35.36 per month. *This is the based on average pricing for plans from eHealth, but actual prices available depend on zip code, age, gender, coverage level, and other factors. Get a personalized quote to see what may be available for you.
Which total dollar amount would an insurance plan pay toward the cost of dental care over a specific period? ›A dental annual maximum is the total amount your dental plan will pay toward your care in a 12-month period (also known as the benefit period). Annual maximums typically range between $1,000 and $2,000 – and most people never reach this amount in their benefit period.
Which type of dental plan is the most common? ›Dental Preferred Provider Organization (PPO) Plans
Dental PPOs are the most common dental policy. The NADP reports that 82 percent of dental policies are dental PPOs.
- Delta Dental of California. Pros: Delta Dental is a well-established and widely recognized dental insurance provider. ...
- Anthem Blue Cross. ...
- MetLife Dental. ...
- Guardian Life Dental. ...
- Aetna Dental. ...
- UCLA Dental.
The most popular type of dental plan in Florida is preferred provider organization (PPO) plan. In fact, PPOs make up more than 80% of Florida dental plans, according to the NADP.