Best Cheap Dental Insurance in Kansas

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Contributor, Benzinga
December 7, 2021

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Everyone knows that biannual visits to the dentist are fundamental to top-notch oral health. But who’s responsible for paying for your visits to the dentist? If you think that your health insurance covers your dental care costs, you might be mistaken. Dental care isn’t included as an essential benefit under the Affordable Care Act. This means that if you have an independent health insurance plan, you probably don’t have coverage for dental care costs.

But it’s simple and easy to find affordable and inclusive dental insurance. We’ll take a closer look at what dental insurance does and doesn’t include, as well as some of our favorite insurance providers in the Sunflower State. 

The Best Dental Insurance in Kansas:

Types of Dental Coverage

Prior to choosing a dental insurance plan, read up on the difference between each plan option. When you know the different types of dental insurance plan choices, you’ll be better suited to choose an insurance provider. There are 2 main types of dental insurance plans: DHMO and PPO.

A dental health maintenance organization (DHMO) is a type of dental insurance plan with a defined network of providers. When you buy a DHMO plan, your insurance company will give you a list of dentists and dental offices within your network. You need to choose a dentist from your network — otherwise, you cannot use your insurance benefits. DHMO plans are more affordable than other types of plans, but they can be limiting, especially if you already have a dentist you like who isn’t in your network.

A preferred provider organization (PPO) can give you a little more flexibility when you choose a dentist. PPOs let you use your benefits at any dental office — though you might pay a little more if you go out of network. PPOs cost more than DHMOs but they can be worth the extra cost if you want to keep seeing your current dentist. 

What Does Dental Insurance Cover?

If you have an Affordable Care Act-approved plan, you probably know that the ACA has a list of essential benefits that every insurance provider needs to cover. However, there’s not a similar list that applies to dental insurance companies.

Dental insurance plan providers can pick and choose which services and treatments they’ll cover with almost complete freedom. This means that it’s possible to get 10 different quotes at 10 different price points and every plan will offer completely different benefits.

Most plans cover 3 service categories: preventive, basic and major. Preventive treatments include things like routine exams and X-rays. Many insurance plans cover 100% of the cost of preventive care after you meet your deductible. Basic services include things like root canals and cavity fillings. Most dental insurance providers cover between 70% and 80% of the cost of basic services, though the best dental insurance providers cover up to 90%. Finally, major services include things like bridges and dentures.

Major services are expensive and invasive procedures, and most insurance companies will only cover around 50% of the costs of your treatment. You might not get any type of coverage for major services if you choose a lower-tier plan. Remember to read your plan benefits before you choose an insurance provider. 

What Does Dental Insurance not Cover?

No matter which plan you choose, you’ll have exclusions you need to navigate. If a service is excluded by your insurance, it means that you need to pay for it yourself. This is even true if you’ve already met your deductible.

Your insurance won’t include coverage for cosmetic treatments. Procedures that aren’t medically required (like enamel whitening and veneers) aren’t covered under insurance. Your insurance will also likely exclude coverage for any preexisting conditions and orthodontic services. Some plans do include coverage for orthodontic care at higher tiers, but this benefit is almost always reserved for children.

Contact a representative if you aren’t sure what exactly is and isn’t covered by your insurance. That way, you’ll get a list of benefits and more information about what you need to cover out of pocket.  

Average Cost of Dental Insurance in Kansas

The average cost of dental insurance in Kansas is similar to the cost of dental insurance in other parts of the United States. Budget about $30 to $45 a month for your premium for an individual plan.  

What to Look for in a Dental Provider

The company that you choose to provide your dental insurance is an important factor in determining your coverage. Here are some questions you need to ask your insurance provider before you choose a plan.

  • What’s my deductible? A deductible that’s too high can make it impossible to benefit from having dental insurance.
  • Is there an annual plan maximum? Some dental insurance plans include an annual maximum benefit limit. For example, a limit of $1,000 means that your insurance company will only pay for $1,000 in dental care each year. Look for a plan with a high maximum to get the most from your coverage.
  • What services and treatments are excluded from my benefits? Dental insurance providers can limit or deny coverage for almost anything — even if it’s medically necessary. For example, many plans exclude coverage for sealants, despite the fact that they’re an effective form of preventive care. Choose a plan without too many exclusions. 

Best Dental Insurance Providers in Kansas

Let’s take a look at some of the most affordable providers in the state.  

Cigna Medicare Advantage
Best For
  • Easy access to benefits
securely through Cigna Medicare Advantage's website

1. Cigna: Best Overall

Cigna’s dental insurance plans are expansive and affordable enough for anyone to squeeze into their budget. Plans are available from just $22 a month and all of Cigna’s plan tiers include 100% coverage for preventive care as long as you stay within your network.

Preventive care even comes without a deductible or copay, which makes it even easier to maintain your oral health. Cigna’s in-network dentists stretch across the country and encompass over 90,000 dental offices. You won’t have trouble finding a dentist who accepts your insurance when you choose Cigna. 

Humana Medicare Advantage
Best For
  • Medicare Advantage Plans

2. Humana: Cheapest Dental Insurance in Kansas

Looking for PPO coverage, but can’t justify paying more just to see your dentist? Consider a plan from Humana. Humana offers some of the most affordable dental insurance in Kansas.

PPO coverage starts from just $17 a month. Humana’s deductibles are also lower than the industry average as well.

Individuals pay just $50 a year, while families will pay a total of $150 annually. If you’re willing to see a dentist within Humana’s network, you can even save up to 28% more. 

Physicians Mutual Health
securely through Physicians Mutual Health's website

3. Physicians Mutual: Best for No-Deductible Plans

Choosing a plan with a sky-high deductible can make your dental insurance more expensive than it’s worth. No matter which tier plan you choose from Physicians Mutual, you can use your benefits immediately with a $0 deductible.

Individual plans from Physicians Mutual are exceptionally affordable and begin at just $25 a month. You also don’t need to wait around for a representative to pick up your call to find out how much you’ll pay for coverage.

Physicians Mutual’s quote system is incredibly easy to navigate — just enter your age and state and you’ll see your plan choices in as little as 30 seconds. 

Delta Dental Insurance
Best For
  • Cleaning + exams

4. Delta Dental: Best for Business Owners

You want to offer your employees the best coverage possible as a business owner. Unfortunately, group dental plans can quickly get expensive, especially if you have dozens of employees to cover.

Delta Dental is a nonprofit dental insurance provider that offers affordable individual, family and business dental insurance options. They have multiple insurance tiers available to business owners, and you can save a large amount of money by enrolling more employees.

Have you really stretched your budget this year? No problem — Delta Dental also offers opt-in coverage at no cost to your company.  

Guardian Dental Insurance
Best For
  • Young adults and families with children and teens
securely through Guardian Dental Insurance's website

5. Guardian Direct: Best for New Residents

Making a move to the Sunflower State? One of the most annoying parts of a move is finding new medical service providers who will allow you to use your insurance in their office. If you aren’t familiar with your new area, consider a plan from Guardian Direct.

Guardian’s dental office search tools allow you to find service providers in your area who accept Guardian plans. Just enter your ZIP code, click “search” and you’ll see local dentists’ offices and which Guardian plans they accept. This allows you to check one more item off your moving to-do list without the worry of buying a plan you can’t use. 

Show Off Your Smile in the Sunflower State

Searching for an insurance plan can be overwhelming, especially when there’s so much variance between insurance providers. But the best way to ensure that you get the best coverage possible is by leaving yourself enough time to collect quotes and compare different plan tiers. Be sure to get at least 5 quotes from 5 competitors. This will allow you to see the average price of insurance in your ZIP code so you can avoid overpaying for your plan. 

Frequently Asked Questions

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

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, which means your plan may stop providing coverage once you reach the annual cap, often between 1k and 3K. Like other types of healthcare insurance, dental insurance focuses coverage on essential services, like cleanings, fillings, etc. Many plans don’t cover braces or elective cosmetic procedures. Get the cheapest premium here.

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

Some health insurance plans bundle dental coverage as well 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.

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

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. A third option is called a dental indemnity plan, which pays a fixed amount or percentage for covered services. Compare quotes from our top providers for the best price.

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.

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