Best Dental Insurance

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Contributor, Benzinga
March 9, 2022

Did you know most of our readers prefer DentalInsurance.com for their dental insurance needs?

Dental care is a vital part to keeping your overall health in tip-top shape. That's why it's so important to find the best dental insurance. Americans with dental coverage are more likely to go to the dentist and experience greater overall health, according to a National Association of Dental Plans report. 

Choosing the best plan for your oral care can be complicated, but it doesn't have to be. Learn more about dental insurance options and find answers to frequently asked questions about dental coverage in our review of the best dental insurance.

Quick Look: Best Dental Insurance

The Best Dental Insurance

Here are Benzinga’s picks for the best dental insurance providers. Get quotes for your favorite plans and compare policies and pricing side-by-side.

1. Best Overall: DentalInsurance.com

DentalInsurance.com makes finding the right dental coverage super easy. Enter some basic information, including your date of birth and ZIP code, to receive quick quotes for several plans in your area.

You can choose among top insurers like Delta Dental, Nationwide, Humana and Guardian Direct. Plan types include PPOs, indemnity plans and dental discount plans. 

DentalInsurance.com has excellent customer reviews and extensive educational resources about dental insurance and dental care. 

DentalInsurance.com is for comparison shopping because it is a marketplace rather than a provider. It can connect you with dental insurance carriers that best suit your needs and budget.

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2. Best Discount Plans: DentalPlans.com

DentalPlans.com specializes in dental discount plans. It offers over 30 discount plans, which you can buy online or by contacting customer service. Its customer service representatives are available late into the evening during the week and during the day on the weekends. Its dental discount plans are from reputable dental providers like Cigna, Delta Dental and Aetna. 

With DentalPlans.com, you just enter your ZIP code to get a quote on discount plans. You can sort your plan options by provider and by additional plan benefits. Some plans also offer vision, hearing, chiropractic and telemedicine benefits. If you prefer traditional dental plans, you can also shop for those through DentalPlans.com as well.

Prices from DentalPlans.com:

  • Through Patriot Plan: $124.95 per year (Your 6-month cleaning would be free.)
  • Through Careington Care 500 Series: $154.95 per year (Your 6-month cleaning would be approximately $17.)
  • Through Uni-Care: $139.95 per year (Your 6-month cleaning would be approximately $20.)
  • Through Avia: $139.95 per year (Your 6-month cleaning would be approximately $15.)

*Quote profile: Individual plan in the midwest.

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Source: DentalPlans
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3. Best for Variety: eHealth 

eHealth may be best known for its wide range of health insurance plans. It’s also an excellent resource for shopping for dental plans. It offers more than 800 plans from over 270 companies, including Nationwide, Delta Dental and UnitedHealthOne. 

To find a dental plan, you enter basic information like your date of birth, gender and whether you use tobacco. You’re provided with a range of dental quotes from plans in your area. You can sort your results by company, monthly cost, deductible, plan type and annual maximum benefit. You can also select multiple plans to compare side by side. 

Once you’re ready to apply, you can complete your application right from the eHealth website. eHealth can also connect you with combined dental, vision and hearing plans. 

Sample quotes from eHealth Dental:

  • Through Ameritas: $26.50 per month
  • Through Nationwide: $44.22 per month
  • Through Guardian Direct: $22.03 per month
  • Through Humana: $25.35 per month
  • Through MetLife: $38.16 per month
  • Through Renaissance Dental: $34.43 per month

*Quote Profile: Single, 30-year old female.

4. Best for Unique Coverage: MetLife Dental Insurance

MetLife offers a unique coverage options for its members. You can receive coverage for preventive and restorative care, orthodontics, cosmetic procedures, oral surgery and more. In addition, it has the following products:

  • PPO Plans
  • HMO Plans
  • MetLife TakeAlong
  • VADIP
  • FEDVIP

In addition to those plans, you may also want to consider MetLife because of its extensive provider network and the flexibility to see any dentist and cost savings, which is typically 30 to 45% less than the average person’s premium.

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5. Best for Individuals and Companies: Guardian Dental

Guardian is 1 of the most affordable dental plans on the market — you could save an average of 35%. Preventive care and cleanings are completely free. There are plans for individuals, employees and groups, including PPO and HMO options. 

Guardian offers a large network so your current dentist is likely on the provider list. You can also pay your bills online to avoid claims forms. 

Check out our list of other affordable dental plan coverages for more options. 

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6. Best for Including Vision Benefits: Ameritas

Ameritas provides a range of dental plans that include vision benefits at no extra cost. Some plans offer a $100 yearly credit toward any vision service you need. Apply this credit to an annual eye exam or new glasses.

Ameritas dental plans also feature annual maximums that can partially carry over to the next year if you don’t use the full amount.

  • Ameritas Dental Insurance
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What is Dental Insurance?

Dental insurance is coverage for your pearly whites, gums and the preventative care that goes into keeping them healthy.

Unlike medical insurance, the top dental insurance companies generally have a narrow scope and easy-to-understand policies/coverage terms. You may purchase coverage alone or, at times, as part of your health insurance, whether purchased privately, through an insurance marketplace or through your employer benefit package.

Not all care is covered. For example, cosmetic dentistry and orthodontics aren't included in many policies. Your provider will typically give you straightforward guidelines to what type of procedures and care are under your policy's umbrella. And like most insurance coverage, you can expect to see deductibles and co-pays as part of your dental insurance policy.

How Much is Dental Insurance?

In short, it depends. Costs vary depending on the type of plan, whether it’s a single or family plan and the level of coverage. According to Guardian, the best dental insurance carriers have average monthly premiums of:

  • $22.50 for a dental HMO
  • $62.75 for a dental PPO
  • $81.50 for an indemnity plan

Dental HMOs tend to have the most limited networks, and you have to see an in-network provider for your care to be covered. Dental PPOs have more flexibility, and you can see an out-of-network dentist. You will pay less if you stay in-network, though. 

Indemnity plans let you see any dentist. You pay upfront and then seek reimbursement from your insurance company. 

How to Get Dental Insurance

To choose the best dental insurance provider, consider the premium (your monthly or annual payment) along with potential out-of-pocket costs and the plan’s annual maximum. If the premiums seem too high, consider a dental discount plan. The cost of discount plans tends to be lower and there’s no limit on how often you use the discount. 

Also, consider the plan’s network. If you don’t have a dentist, the network may not be an issue. If you have a dentist you prefer, make sure your dentist is in-network. If you’re not sure, contact your dentist’s office to find out which insurance plans are in-network. 

If you need specialized care, like orthodontics for you or a family member, confirm the plan covers that care. Some dental insurance organizations include orthodontic care, but many others do not. Look for a plan that has a premium that fits into your budget and benefits that make sense for you and your family. 

And, as always, be sure to compare quotes from multiple providers to find the best dental insurance. Use the chart below for an easy side-by-side look.

Is Dental Insurance Worth It?

Depending on your insurance needs -- and how much money you're willing to spend -- buying dental coverage should be a good choice. Remember, however, that cheap dental insurance does not achieve everyone’s goals. Shop around as much as you can.

Additionally, staying on top of your oral hygiene is highly important to keeping yourself healthy overall, and preventative and emergency care alike can be really expensive.

Use our guide to find good dental insurance. Compares quotes and reach out to one of our choices above to get started today.

Frequently Asked Questions

Insurance can be complicated. Here are answers to frequently asked questions about dental insurance. 

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What does dental insurance cover?
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What does dental insurance cover? Dental plans typically preventative care, basic services, major services and possibly orthodontic care.

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Is there a dental plan that covers everything?
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Is there a dental plan that covers everything? Dental insurance plans typically don’t cover everything. They will cover many services, but there are coverage limits, copayments, and generally dental insurance will not cover 100% of a service.

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Is a Dental PPO or HMO better?
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Is a dental HMO or PPO better? The type of insurance that’s better for you depends on your priorities and how much you are willing to spend.

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Can you have 2 dental plans?
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You can have 2 dental plans, for example: 1 from your employer and 1 from your spouse’s employer. You may also purchase supplemental dental coverage in addition to your standard dental coverage.

Q
Is there a waiting period for dental insurance?
A

Is there a waiting period for dental insurance? Generally, yes. Check with your insurer to learn when your coverage begins.

Dental Insurance Methodology

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

Dental Plans Promo

Get 10% off any dental savings plan at DentalPlans.com. You can reduce your dental care costs by saving 10-60% off at the dentist!