Best Dental Insurance Plan in 2024/2025 – Going to the dentist can be costly if you don’t have adequate dental insurance, especially if the treatment you require goes beyond routine cleanings and preventative care.
The right dental insurance can help you afford the care you need to keep your smile healthy and bright by lowering your out-of-pocket costs.
In this post, we’ll be giving you a comprehensive list of the best dental insurance plans for 2023/2024. We’ll tell you how to purchase them and how much they cost.
Because we care for you, we want you to read through this post to the end. It is going to be very informative and insightful.
List of the Best Dental Insurance for 2024/2025
Renaissance Dental has an AM Best rating and is part of the Renaissance Health Service Corporation, which has a PPO network with over 300,000 dental access points across the country.
This insurance company provides the most flexibility, with plans that include full and partial coverage for a variety of services, as well as the ability to see any dentist you want, in or out of network.
For preventative care, there is no waiting period, so you can go to the dentist as soon as you sign up. From routine exams and cleanings to more complicated procedures like implants and endoscopy, the carrier covers it all.
While preventative care has no waiting period, other services such as periodontal maintenance and oral surgery have six to twelve-month wait times.
The cost of orthodontic treatment is not covered. Except for the Essentials plan, which has no deductible, the policy maximum for all three options is around $1,000 per year per member, with deductibles of $50 per member and $150 per family on all policies except the Essentials plan.
Spirit Dental and Vision
Individuals and families can get dental and vision insurance through Spirit Dental and Vision, which is underwritten by Security Life.
Spirit has no waiting period for basic and major dental services, unlike many other dental insurance plans. You can begin using your coverage on the policy’s effective date.
You won’t have to wait to get the dental care you need because of guaranteed acceptance.
Primary policyholders must be at least 18 years old. Unmarried children under the age of 26 and their spouses/domestic partners are also covered.
Among the services provided are implants, dentures, bridges, inlays, and crowns. Another benefit, if you have a child who will need braces soon, is that Spirit covers orthodontics.
The amount of coverage varies by plan, so compare the different options to see which one is best for you.
A one-time $100 deductible applies to all plans. The monthly premium is determined by a number of factors, including the coverage you choose, your location, and whether you choose one of the company’s Choices or Network options.
The premiums for network plans are lower. You have more flexibility because you can choose any dentist in or out of the network. The annual maximums are approximately $1,200, $2,000, or $3,000, respectively.
Smart Health Dental
Smart Health Dental, a Renaissance company, offers a variety of dental insurance and non-insurance plan options and is dedicated to providing high-quality coverage across the country.
The provider offers a basic plan for seniors and others who only require preventative care, as well as a comprehensive plan for those who require more treatment options such as dentures, implants, and bridges—both of which have no waiting periods.
The network includes more than 200,000 dentists. There are some limitations and exclusions that apply.
For the first three years, benefits increase with the comprehensive plan, with the maximum benefit starting at around $750, increasing to $1,000 the following year, and $1,250 the following year.
Some services will have a higher percentage of coverage, while the deductible will remain around $50 per person and $150 per family. The preventative plan does not have a deductible.
Delta Dental has one of the largest provider networks in the country and offers a variety of comprehensive coverage options. Because orthodontic coverage is available at several price points for both children and adults, we chose Delta Dental as the best dental insurance plan for braces.
If you’re thinking about getting braces, check out our article on how much Invisalign costs and the alternatives.
To get started, go to Delta Dental’s main website and type in your zip code to see which plans, rates, and benefits are available in your state.
Delta Dental PPO, Delta Dental Premier, Delta Dental PPO Plus Premier, and DeltaCare USA are the four plans available right now (HMO).
Two orthodontic plans are included in a sample quote for New York. Delta Dental PPO pays for half of orthodontic treatment, while DeltaCare (DHMO) charges a set copayment. Your out-of-pocket costs with a copayment will vary by state.
All 50 states, as well as Puerto Rico and other US territories, are covered. Delta Dental plans are also eligible for the government’s Healthcare.gov marketplace, where qualifying plans must include pediatric coverage.
Guardian Direct’s Dental Plan
The Dental Plan tiers at Guardian Direct are Bronze, Silver, and Gold. The Bronze plan, which starts at $22.26 per month, covers 100 percent of preventive care with no waiting period and 50 percent of basic care with a 6-month waiting period.
The Silver and Gold tiers of Guardian Direct provide complete major dental care. Crowns, complex extractions, oral surgery, implants, and partial dentures are examples of major dental work.
So, to get major work coverage in-network, you don’t have to meet any deductibles. Unfortunately, there is a 12-month waiting period, but once the plan is active, Guardian Direct will cover 50% of all major work coverage, up to a $1,250 limit.
Limits increase once a year, with the maximum benefit amount reaching $1,500 by the third year.
Humana is the best value on our list for its Loyalty Plus plan. While no waiting periods and one-time deductibles are common in high-cost plans, Loyalty Plus offers these features for as little as $30 per month in some states.
There are no waiting periods for any services, including major work, and there is only a $150 deductible to meet once during the plan’s lifetime.
The length of time you’ve been a member of Loyalty Plus increases your coverage. From the beginning, preventive care is fully covered. Humana covers 40% of routine care and 20% of major work for the first year, up to a maximum of $1,000 per year.
By the third year of membership, you’ll be covered for 100% of preventive care, 70% of basic dental services, and 50% of major dental services, with a $1,500 annual maximum.
Humana also offers six different plans, each with a different price point and level of coverage, including a dental savings plan and preventive care plans, in addition to Loyalty Plus.
Accidents, cancer, critical illness, short-term disability, and vision insurance are among the supplemental insurance products offered by Aflac for both groups and individuals.
The supplemental dental insurance offered by the company is divided into three levels, basic, standard, and premier.
Aflac’s dental insurance policies are designed to supplement your primary dental insurance plan and help you save money at the dentist.
There are no network restrictions; Aflac will pay regardless of the provider if the service is listed under covered dental treatments and procedures.
After paying for their preferred dental provider, policyholders can submit an online claim for a fixed-rate reimbursement for eligible services. Reimbursements are made to the insured directly.
There are several dental insurance companies to choose from, each with its own set of benefits and drawbacks. It’s critical to consider what you require from your dental insurance and how much you’re willing to spend each month.
Deductibles, waiting periods, network size, and co-pays must all be taken into account. The various plans offered by carriers may vary by state, so get multiple quotes before deciding where to sign up.
This list can assist you in locating affordable options with individual and family plans that are flexible.
Read also: 7 Best Life Insurance Companies