Top PPO Dental Coverage Options for 2024

Leading PPO Dental Insurance Plans of 2024

Rising healthcare expenses have emphasized the need for dental insurance that covers routine checkups and emergencies. Many policies exclude dental care, so it’s essential to seek providers offering dedicated dental plans. Companies like Aetna, Cigna, and Humana provide a variety of affordable dental options to suit different needs.

Aetna Dental® Plans

Aetna’s standalone Dental® Direct plans offer comprehensive coverage without requiring medical insurance. These plans cover preventive services like regular checkups and X-rays, reducing out-of-pocket costs under PPO options. There are two main plans:

Aetna Dental Direct Preferred PPO
For $50 per person or $150 per family deductible, this plan offers an annual maximum benefit of $1250. It covers cleanings, fillings, extractions, crowns, dentures, root canals, and bridges, with no coinsurance on preventive care.

Aetna Dental Core PPO
Lower premiums, consistent deductibles, and coinsurance apply. The annual benefit is capped at $1000, covering preventive, basic, and major procedures. Service availability varies by state and dentist.

Cigna Dental Coverage

Cigna provides affordable plans utilizing a network of 90,000 dental providers nationwide. Plans include:

Cigna Dental 1500
At $35/month, this plan offers a $1500 annual maximum for restorative work and $1000 for orthodontic treatments. Preventive care incurs no cost, with deductibles of $50 per individual and $150 per family.

Cigna Dental 1000
At $30/month, it covers preventive and restorative services with a $1000 maximum. Orthodontic benefits are not included, but in-network discounts are available. Deductibles remain the same as the 1500 plan.

Cigna Preventive Dental
For just $19/month, this basic plan covers only preventive visits with no deductibles or coinsurance, ideal for basic dental needs without major procedures.

Humana Dental Plans

Humana offers budget-friendly options with access to over 260,000 dentists. The PPO plans start at about $17.99 monthly, varying by state:

Preventive Value PPO
For $17.99/month, this plan covers essential preventive care, with a $50 deductible per individual and $150 per family. It features no annual maximum benefit but covers limited services.

Bright Plus PPO
At $21.36/month, it provides a $1250 annual limit per person, maintaining the same deductible structure.

Dental Savings Plus
At just $7.99/month, this no-deductible plan offers discounts on dental services but does not provide a maximum benefit. It's ideal for cost savings rather than comprehensive coverage.

Note that prices and coverage options vary by state, and actual benefits depend on local laws and available dental providers. Get customized quotes online based on your location for detailed plan information.