Dental care can be painfully expensive. This is true, especially if you need work beyond basic cleaning and preventive care. A dental insurance plan can help cover preventive care costs while reducing the cost of other dental procedures like crowns, bridges, and fillings. These are some of the best dental insurance companies for the year.
Best Overall: Cigna
Cigna allows you to purchase a plan that includes coverage for restorative and orthodontic care. All preventive care is covered without deductibles or copayments. Cigna also has a network of over 93,000 dentists nationwide. Unfortunately, dental implants and cosmetic procedures aren’t covered, and they have a waiting period of six months for basic care and 12 months for major services.
Second-Best Overall: Renaissance Dental
Renaissance has plans that cover 100% of preventive care. They also have a network of 300,000 dental offices nationwide, and you can choose a coverage level that meets your needs. But, all plans have a maximum benefit of $1000 per person per year, and no plans cover orthodontic care. Coverage for services is limited, and there’s a six-month waiting period for restorative care.
Best for No Waiting Period: Spirit Dental
It covers 100% of three cleanings and two exams per year. There’s no waiting period and a $100 lifetime deductible. All plans include dental implants, and some have orthodontic care. On the flipside, annual maximums can be as low as $750, and plans do vary in terms of coverage on major factors. Acceptance is guaranteed for everyone.
Best Value: Humana Dental Insurance
Their plans cover 100% of preventive care and offer access to over 260,000 dentists nationwide. You can also choose a plan that meets your needs and budget. There is a waiting period of six months for basic services and 12 months for major services, and annual maximum benefits can be as low as $1,000.
Best for Families: UnitedHealthOne Dental Insurance
This insurer offers a broad network of dentists with numerous coverage options for individuals and families. Many plans include preventive care at 100%, and some plans also cover orthodontics. Varying waiting periods may apply for basic and major services, and annual maximum benefits can be as low as $1,000.
