Taking care of your oral health is vital, and dental insurance can make it more accessible. With a dental insurance plan, you can avoid paying thousands of dollars in out-of-pocket costs. We’ve researched and compiled a list of the 5 best dental insurance companies to help you in making an informed decision.
In the dental insurance market, these firms are unique due to their affordability and extensive coverage. Find the solutions that suit your requirements and guarantee a long-lasting healthy smile.
READ MORE: How To Buy Salvage Boats From Insurance Companies
What is dental insurance?
Table of Contents
Dental insurance is a financial arrangement that helps cover the costs of dental care services. It involves paying a monthly premium in exchange for benefits that reduce the expenses related to routine check-ups, preventive care, and dental procedures.
Dental insurance plans come in a variety of coverage options; some concentrate on essential procedures, while others provide broader coverage. Having dental insurance can ease the financial burden of dental treatments, encouraging regular check-ups and promoting overall oral health.
It provides individuals with a structured way to manage and budget for dental expenses while ensuring access to necessary dental care services.
5 best dental insurance companies in 2024
1. Anthem Blue Cross Blue Shield
Anthem Blue Cross Blue Shield tops the list of the best dental insurance providers and covers 42 million individuals across 14 states in the U.S.
Their extensive network and affiliation with the Blue Cross Blue Shield Association make them a strong player in the insurance landscape. Anthem provides a plethora of dental insurance plans with resources and digital tools, enhancing their client experience.
While it’s a great option for those seeking standard insurance coverage, there are limitations, such as restricted availability in certain regions. However, Anthem provides the opportunity to bundle dental insurance with health and vision policies.
Overall, Anthem caters to diverse individual needs within its expansive network.
2. Delta Dental
Delta Dental is recognized as the largest dental insurer in the United States. This insurance provider boasts a vast network of 39 independent dental insurance companies and provides comprehensive coverage nationwide, including Puerto Rico and U.S. territories.
More than 150,000 dentists participate in their vast network, which serves the dental requirements of over 80 million clients. Their extensive network comprises over 150,000 participating dentists, thus, catering to the dental needs of more than 80 million customers.
Consumers gain from a range of participating dentists who offer reduced rates; this helps explain the company’s 4/5 star rating on ConsumerAffairs, which is based on 495 ratings from the previous year.
Furthermore, Delta Dental continues to hold an outstanding financial strength rating (A) from AM Best, thereby reinforcing its standing in the dental insurance sector.
READ MORE: What Is Health Insurance Copay: Definition & How It Works
3. MetLife Dental
MetLife Dental provides access to a vast network of thousands of dentists. This provider provides convenient search options based on ZIP Code, specialties, and even languages, thus, ensuring you find the ideal provider.
Additionally, they provide in-network services, including most cleanings and exams, and provide 100% comprehensive coverage. MetLife gives flexibility to providers who are in the network and those who are not. Members enjoy reduced fees because negotiated prices are usually 30% to 45% less than the norm, which results in decreased out-of-pocket expenses.
Overall, this network provider has a good reputation and offers a variety of dental insurance plans, including alternatives for individuals, employers, veterans, and federal employees.
Based on 56 reviews on ConsumersAdvocate.org, the company has received a 4.4 out of 5-star rating.
4. UnitedHealthcare
UnitedHealthcare, headquartered in Minnesota, is among the top five in the United States. The provider’s dental plans stand out for their comprehensive coverage of preventive care which has no deductible or waiting periods.
One notable aspect of their dental insurance policies is that they don’t have a maximum age limit, thus people of all ages are covered. Easy access to dental insurance plan quotes is made possible via the company’s website.
With 373 recent ratings and a 4/5 star rating on ConsumerAffairs, UnitedHealthOne’s dental plans are well-received and have a wide provider network. Additionally, AM Best has rated UnitedHealthcare’s financial strength as an outstanding A.
READ MORE: Best Medical Insurance For Parents Visiting USA
5. Cigma
Cigna, one of the top medical insurance companies in the US, serves more than 17 million dental clients. The company, which has its headquarters in Connecticut, provides dental insurance that starts at $19 a month. Most notably, Cigna has a huge national network with 93,000 dentists spread across 297,000 sites.
Standard waiting periods for basic services are six months, and twelve months for significant and orthodontic services. With a 12-month waiting period, their top dental insurance plan, Cigna Dental 1500, is unique as it covers braces and other orthodontia.
A few key advantages of Cigna’s dental plans include the absence of a requirement for a primary dentist, no referrals needed for specialist visits, and a favorable 4.2 out of 5 stars rating based on 52 customer reviews on ConsumersAdvocate.org.
Additionally, Cigna maintains an excellent financial strength rating of A, as assessed by AM Best.
