fbpx

Best Affordable Full Coverage Dental Insurance

Benzinga Money is a reader-supported publication. We may earn a commission when you click on links in this article. Learn more.

Looking for a good dental plan? Good news — it’s possible to find affordable full coverage dental insurance. Let’s take a look at all your options.

Cheapest Full Coverage Dental Insurance:

  • Best Overall for Full Coverage Dental: Cigna
  • Best for Highest Coverage Percentage: Avia
  • Best for Additional Benefits: CVS
  • Best for Quick Access: Aetna
  • Best for No Maximum Annual Allowance: Delta Dental

Types of Dental Coverage

If you need to check dental coverage off your list, it’s important to understand the different coverage types of available. Here’s a breakdown of the most common plans.

1. Indemnity Plans

Indemnity dental plans are sometimes referred to as a “traditional” type of insurance. If you have an indemnity plan, your insurance company will pay claims based on the procedures and visits you have at the dentist.

The insurance company often pays a certain percentage of your bill and leaves you responsible for the remaining costs. Most of these plans have a maximum amount that they will cover for each procedure. Some indemnity plans allow you to receive coverage for visits with any dentist.

2. Preferred Provider Organizations (PPOs)

You may be familiar with this plan type from reviewing health insurance options. In the dental insurance industry, a PPO plan is an indemnity plan combined with a network of dentists.

If you have a PPO dental insurance plan, try to stick with dentists within your plan’s network. The dentists that participate in the plan’s network are under contract to the insurance company to provide services for set fees.

If you decide to visit a dentist who isn’t within your plan’s network, the dentist may have fees that go above your plan’s maximum allowance.

3. Table or Schedule of Allowances

These indemnity plans have set dollar amounts for each dental procedure. No matter how much your actual pill is, this is the amount your insurance company will contribute toward your dental costs. You are responsible for paying the difference between your total bill amount and the amount that your insurance company will cover.

This type of dental insurance can be paired with a PPO plan. You can visit dentists that participate in the PPO plan and have a maximum amount they can charge you for services.

4. Exclusive Provider Organizations (EPOs)

Similar to PPO plans, this type of dental insurance plan has a network of participating dentists. EPO plans are called “exclusive” because you can only receive coverage for dental visits and procedures if you use a dentist that’s in the plan’s network. 

5. Dental Health Maintenance Organization (DHMOs)/Capitation Plans

These plans have contracts with certain dentists. The dentists are paid a certain amount each month for each patient they are assigned and for certain services. The dentists must provide the services that they are contracted to perform at no cost or reduced cost to these patients.

If you enroll in this plan, you usually must have your dental treatment performed at a contracted dentist’s office to receive coverage.

6. Direct Reimbursement (DR)

This plan type will allow you to visit any dentist you choose. Each direct reimbursement plan is different, so it’s important that you review the terms associated with each plan.

Some direct reimbursement plans don’t require you to complete claims forms and don’t require any administrative processing. Other plans require you to pay the dentist directly for any service or treatment you receive.

You need to submit a receipt or proof of treatment that shows that you’ve paid your bill. After your insurance company processes your claim, you’ll be reimbursed for a percentage of your dental bill.

7. Point of Service

Point-of-service plans offer a network of providers for your dental care. You’ll be given the option to receive treatment from an out-of-network provider if you choose.

Usually, point of service plans will reimburse you based on a table of allowances for your services. You can expect to receive less reimbursement if you visit an out-of-network provider, and more if you visit an in-network provider.

8. Discount or Referral

This type of plan is a little different from other dental insurance products. The insurance company that sells these plans has a contract with a network of dentists.

These dentists participate in this plan by discounting their dental service fees for members of the plan. If you purchase this plan, you’ll be responsible for paying the discounted cost of your treatment with the contracted dentists.

You won’t need to fill out any claim forms with this plan type. Your employer may offer this plan type as its dental plan option.

Average Cost of Full Coverage Dental Insurance 

The cost of your full coverage dental insurance can vary depending on the state you live in. On average, an individual can expect to pay $360 per year for dental insurance.

What to Look for in a Dental Insurance Provider

There are a number of things to consider as you look for the best dental insurance.

Depending on the plan type you choose, you’ll probably want to look for an insurance provider with a large network of participating dentists. It’s a good idea to have a few options for general dentistry and for specialists in your network.

There are a few things you’ll want to look out for to understand the true cost of your dental insurance plan:

  • Premium. Your premium is the amount that you will need to pay to your insurance provider to keep your plan active. This may be broken into yearly or monthly payments.
  • Deductible. If your dental insurance plan has a deductible, this is the amount that you will need to pay out-of-pocket for your dental services. After you’ve met your deductible, your insurance provider will contribute toward the costs of your covered dental services.
  • Copay or coinsurance. Some plans may include copays or coinsurance. This is the amount that you’ll need to pay for your covered dental services after you’ve met your deductible. Copays are a set dollar amount, whereas coinsurance is a percentage of each bill that you must pay.
  • Annual limit or maximum allowance. Your dental insurance plan may also come with a maximum annual limit or allowance. This is the most that your dental insurance provider will cover for your dental services throughout your plan year. 

When you research and compare insurance providers, it’s important to keep these things in mind. Once you’ve evaluated the level of coverage you need from your dental insurance plan, you will be able to select the best provider and plan for you.

Best Affordable Full Coverage Dental Insurance Providers

Compare providers to find affordable dental insurance. Here are some of our favorite providers for full-coverage dental insurance.

1. Best Overall for Full Coverage Dental: Cigna

Cigna offers a number of affordable dental insurance plans to meet the needs of its members. One of Cigna’s plans is CIGNAPlus Savings, which offers coverage for routine preventive care, restorative care, cosmetic, orthodontics, oral surgery and more.

This plan also offers unrelated benefits such as vision and hearing discounts. Another Cigna plan is its Preferred Network Access plan. This provides coverage for preventive and restorative procedures, orthodontic care, cosmetic care, oral surgery and more. Both plans offer dental savings of up to 50% on most procedures. 

2. Best for Highest Coverage Percentage: Avia

Avia can offer you affordable dental insurance to help you save on dental procedures.

It offers coverage for routine preventive care, restorative services, orthodontics, cosmetic procedures, oral surgery and more.

Avia offers dental savings up to 70% on most dental procedures covered by the plan. You may also be able to receive prescription and vision benefits with an Avia dental insurance plan.  

3. Best for Additional Benefits: CVS

CVS offers a unique dental insurance option to its members. You can receive coverage for preventive and restorative care, orthodontics, cosmetic procedures, oral surgery and more.

In addition to these standard dental benefits, CVS can offer benefits that you can use outside of the dentist’s office.

You may be able to receive pharmacy, vision and hearing discounts, fitness benefits, a 24-hour nurse hotline, access to its minute clinic and much more.

4. Best for Quick Access: Aetna

You may have to wait weeks for your coverage to begin with some dental insurance plans. If you need a dental insurance plan sooner rather than later, you’ll want to look for a provider who can give that to you.

Aetna offers an affordable plan option that may allow you to activate your coverage by the next business day. It offers all of the standard benefits you would expect from full-coverage dental insurance, including preventive and restorative care, orthodontics, oral surgery and more. You may also be able to receive vision benefits with your Aetna dental insurance plan.

5. Best for No Maximum Annual Allowance: Delta Dental

Delta Dental is 1 of the largest dental insurance providers in the United States for good reason. It offers a wide and expansive network of participating dental service providers for you to receive treatment from.

Delta Dental offers a couple of different insurance plan options for you to choose from. Some of these plans can be a great option if you expect to receive several dental procedures throughout the year.

It can offer a plan with no maximum annual allowance, which means you can receive coverage for your procedures all year long without worry.

How Do I Enroll in Dental Insurance?

There are a few ways you can find and enroll in a dental insurance plan for yourself or for your family. If you’re purchasing a health care plan through the Marketplace, you can consider purchasing a dental plan along with your health plan. You can only purchase a dental plan through the Marketplace if you’re buying a health insurance plan at the same time.

Not purchasing a health insurance plan through the Marketplace? Research the dental insurance providers that offer plans in your area. Once you’ve found a plan you would like to enroll in, you may have the option to enroll in your plan online. Otherwise, you can contact an insurance provider to complete the enrollment process.

Frequently Asked Questions

1) Q: How does dental insurance work?

1
1) Q: How does dental insurance work?
asked
1

A dental insurance plan charges a premium in exchange for covered benefits. Unlike health insurance plans, dental insurance plans usually have a cap on benefits.

This means your plan may stop providing coverage once you reach the annual cap, often between $1,000 and $3,000.

Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings and fillings.

Many plans don’t cover braces or elective cosmetic procedures. Get the cheapest premium here.

answered

2) Q: Is dental coverage part of health insurance?

1
2) Q: Is dental coverage part of health insurance?
asked
1

Some health insurance plans bundle dental coverage. But in many cases, dental insurance is a separate plan.

Healthcare plans that are ACA-compliant are required to offer dental coverage to children, but there is no requirement that adults have dental insurance coverage.

Choosing a separate dental insurance plan can be a cost-saving step and helps make dental health costs more predictable.

Check out our best providers for the cheapest rate.

answered

3) Q: What kinds of dental insurance are available?

1
3) Q: What kinds of dental insurance are available?
asked
1

Your choices for dental insurance plans are similar to health insurance choices. You can choose from a dental HMO, which helps to keep premium costs low by keeping services within controlled network.

Dental PPOs give more freedom to choose your dentist and care but cost more than HMO plans.

Another option is called a dental indemnity plan. It pays a fixed amount or percentage for covered services.

Compare quotes from our top providers for the best price.

answered

Ready for a new smile that's affordable and convenient? It's easy with SmileDirectClub's custom smile plan. Just visit a SmileShop for an in-person scan or use SmileDirectClub's at-home kit to create impressions for easy-to-wear aligners. Not sure you'll be able to use your insurance to help pay for SmileDirectClub? You don't have to! SmileDirectClub's clear aligners are also covered by HSA, FSA and CareCredit. SmileDirectClub is in network with UnitedHealthCare and Aetna and it can also check for eligibility at Cigna, Blue Cross Blue Shield, Delta Dental, Humana, MetLife and more.