The firm’s network includes over 150,000 participating dentists nationwide, serving more than 80 million customers.ĭelta Dental offers HMO and PPO plans as well as managed fee-for-service and discount options. *Starting rates exact rates vary by location, age and other factors.Īs 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. This roundup of dental insurance plans is based on an examination of monthly premiums, annual deductibles, copayments and coinsurance, benefits and services covered, waiting periods and other limitations, and the size and geographical scope of provider networks available from dental insurance companies.
After a deep analysis, we found that UnitedHealthcare, Cigna, Delta Dental, Humana and Renaissance are currently the top five dental insurance providers in the United States.
Dental insurance plans typically use a 100-80-50 cost-sharing model, paying 100% of the cost of preventative and diagnostic services, 80% of basic dental services such as fillings and 50% for major procedures and surgeries. Monthly premiums are usually less than $50, while annual deductibles average $50 to $100. Plans from dental insurance companies are similar to health insurance, though premiums and deductibles are much lower. To make your search easier, we’ve compiled a list of the best dental insurance providers on the market. population who needed dental care between 20 did not get it due to affordability, lack of coverage for their procedures and other financial hurdles.įortunately, you have plenty of budget-friendly dental insurance policies to choose from. This is especially evident in recent years: About 15.2% of the U.S. Still, cost is the primary barrier to getting dental care, according to the ADA. Plaque buildup, cavities and late detection of oral cancer can all be prevented with regular dentist visits. The consequences of avoiding the dentist only worsen the longer you wait.
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