Top 5 Dental Insurance Policies for Wise Buyers
Discover the top five dental insurance plans to safeguard your oral health and reduce treatment costs. These options include Guardian, Delta Dental, Humana, Cigna, and Ameritas, each offering valuable benefits like preventive care, major procedures, and orthodontics. Find the plan that fits your needs and budget for optimal dental health management.
Maintaining oral health is vital for overall wellness. Regular dental visits help prevent serious gum issues and keep teeth healthy. However, dental treatments can be costly, sometimes reaching thousands of dollars. Dental insurance becomes essential to mitigate these expenses. If you're considering purchasing dental coverage but don't know where to begin, this guide is for you.
What is dental insurance?
Dental insurance helps cover the costs of various dental treatments, similar to health insurance. It typically includes preventive care and procedures such as fillings, crowns, bridges, and surgeries.
Here are the leading dental insurance options to consider based on your needs:
Guardian Direct Diamond Plan
This plan offers nearly 50% coverage for preventive, basic, and major procedures, including implants and orthodontics. It includes full coverage for routine dental care and optional teeth whitening for $500 annually. The annual maximum payout starts at $1,500, with premiums varying by location.
Delta Dental PPO
Delta Dental is among the largest providers, contracting with over 150,000 dentists nationally. The PPO plan allows access to preferred providers, with the insurer covering a significant portion of costs depending on the procedure.
Humana Dental Loyalty Plus
This plan offers great savings on out-of-pocket expenses, allowing you to choose any dentist—network or not—and covering preventive services. No waiting periods are involved, and a one-time deductible applies.
Cigna Dental 1500
Cigna's plan covers preventive and diagnostic care, with $0 copayments for in-network routine exams. It provides affordable monthly premiums and access to over 90,000 dentists nationwide, with no referrals required.
Ameritas Hollywood Smile Premier
Established in the 1950s, Ameritas offers this PPO plan that covers a wide range of services, including cleanings, crowns, dentures, and exams. Automatic acceptance is available if eligibility criteria are met, making it a convenient choice for comprehensive dental coverage.
Choosing the right plan depends on factors like coverage type, premiums, and waiting periods. Select the plan suited to your dental health needs for a brighter, healthier smile.
