Dental Insurance: The Best Dental Insurance Providers

We have always said that you cannot put a price on a beautiful smile. Therefore, in this article we will dedicate ourselves to informing you about the best dental insurance providers in the United States of 2022.

If the choice is right for you, you may want to find a dental insurance plan complete and comprehensive at a reasonable price.

If this is the case, you may be able to find a plan individually, or your employer may pay for all or part of your and your dependents’ dental coverage as part of the benefits package.

For either option, it’s important to consider your specific needs.

Best for Family Plans: UnitedHealthOne Dental Insurance

Dental coverage through UnitedHealthOne It is available in both individual and employer plans.

Golden Rule Insurance Company underwrites many of the products of dental insurance UnitedHealthOne Individuals, which is rated “A (Excellent)” in the assessment of the insurance rating agency AM Best, this rating indicates UnitedHealthOne’s financial strength and stability.

Visit the web domain UHONE.com for more information.

However, we will mention the six dental plans available with the indicated benefits:

Primary Dental

You have a $50 deductible per person for basic services when you use a network provider.

The Copayment is US$25 for preventive care. 30% for basic services after the deductible.

Major services are not covered. You have an annual maximum of US$1,000 per person for the amount of coverage.

Dental Primary Preferred

With a deductible of US$50 per person for basic services and a deductible of US$50 per person for main services when using a network provider.

You have a $25 copay for preventive care. 30% for basic services after the deductible. 50% for major services after deductible.

Annual maximum of US$1,000 per person for the amount of coverage.

Dental Essential

Presents a deductible of US$ 50 per person for basic services when using a network provider.

$0 copay for preventive care. 30% for basic services after deductible. Non-Covered Major Services.

Annual maximum of US$1,000 per person for the amount of coverage.

Dental Essential Preferred

This UnitedHealthOne package has a $50 deductible per person for basic services and a $50 deductible per person for major services when using a network provider.

$0 copay for preventive care. 30% for basic services after deductible. 50% for major services after deductible.

Annual maximum of US$1,000 per person for the amount of coverage.

Dental Premier Choice

US$50 deductible combined per person for basic and major services with a network provider.

$0 copay for preventive care. 20% for basic services after deductible. 50% for major services after deductible.

Annual maximum of US$1,200 per person for the amount of coverage in Year 1; US$1,300 for year 2; US$1,400 for year 3; and US$1,500 for year 4 and so on.

Dental Premier Elite

Covers a combined US$50 deductible per person for basic and major services with an out-of-network provider.

$0 copay for preventive care. 20% for basic services after deductible. 50% for major services after deductible.

Annual maximum of US$1,200 per person for the amount of coverage in Year 1; US$1,300 for year 2; US$1,400 for year 3; and US$1,500 for year 4 and so on.

Best for Families on a Budget: Delta Dental Insurance

Delta Dental is among the largest dental insurance providers in the United States with a network of more than 150,000 practicing dentists and more than 330,000 offices.

It also has an “A (Excellent)” rating from AM Best for financial strength and the company’s issuer credit ratings.

It offers individual and group plans, as well as plans through the HealthCare Exchange (Marketplace). Delta Dental offers plans designed to help families on a budget.

The official web portal DeltaDentalins.com You can see more about the benefits of this insurance. We give you an overview of two health insurance plans Delta Dental:

DeltaCare USA

This is a prepaid plan that, among other benefits, It has no deductibles or annual maximums in dollars with no or low copays for most diagnostic and preventive services.

has a coverage for more than 250 procedures, which include additional cleanings, whitening and teeth whitening with no exclusions for pre-existing conditions or missing teeth.

As a member, you will need to choose a primary care dentist from the preferred provider network.

Delta Dental PPO

This is the program suggested by the company. Members have access to a network of dentists who accept reduced fees for covered services.

Covered services are paid based on a percentage of the dentist’s fee.

For example, if presentations are covered at 80%, members pay the remaining 20% ​​of the cost.

Members may be responsible for a deductible, as well as charges for non-covered services and amounts above the annual maximum.

Best for Discounts: Humana Dental Insurance

It’s one of the dental insurance providers largest in the United States, Humana Dental offers dental insurance plans individual and collective.

According to the company’s website Humana.comMembers can save 20% to 60%, depending on the plan, when they receive dental services from a dentist in a dental network.

Humana also offers a $35 discount to members who combine dental and vision coverage.

The dental plans listed below are available with the benefits noted:

Dental LoyaltyPlus

You have the choice of in-network or out-of-network dental professionals.

It has full coverage of preventive services. 40% coverage in the first year, 55% in the second year and 70% in the third year onwards.

For basic services. 20% coverage in the first year, 30% in the second year and 50% in the third year, being higher for the main services.

With a one-time deductible and no waiting period. Maximum annual benefit of US$1,000 in the first year, US$1,250 in the second year and US$1,500 in the third year and more.

Dental Value

It has full coverage of preventive services. Establishes a rate schedule for basic and main services. No deductibles, no waiting period, and no maximum benefit limit.

Dental Preventive Plus

You have comprehensive coverage with in-network providers for preventive services. 50% coverage with in-network providers (after deductible) for basic services and no copays.

Presents discounted rates with an in-network provider for main services. With a low annual deductible and no waiting period.

Dental SavingsPlus

Covered from 20% to 40% for preventive services. Discounted rates with in-network provider for basic services and main. No copays, no deductibles, no waiting periods.

There is no limit to the number of services that can be used each year. Orthodontia discounts up to 20% and prescription discounts averaging 37%.

Complete Dental

Covers 100% coverage after deductible (some limits apply) for preventive services.

80% coverage after deductible (some limits apply) for basic services. 50% coverage after deductible (some limits apply) for major services.

In this case, there is no waiting period for preventive care and others waiting periods for basic and major services waived with proof of prior dental insurance.

Best for Comprehensive Coverage: Cigna Dental Insurance

Cigna offers three different dental plan options through a network of more than 90,000 dentists.

Cigna has an “A – Excellent” rating from AM Best, which confirmed the company’s financial strength rating and issuer ratings.

Get more information enter the web portal Cigna.com. The following are the dental insurance plans individual highlights of Cigna Dental:

Cigna Dental 1500

With US$ 0 for preventive services within the network. Up to $1,500 coverage per year after deductible and coinsurance for restorative services.

You will have a US$50 deductible for an individual account and a US$150 deductible for families. Up to $1,000 covered for orthodontics.

Cigna Dental 1000

Similarly, they are $0 per preventive services within the network. Up to $1,000 covered per year after deductible and coinsurance for restorative services.

$50 deductible for individuals and $150 deductible for families. Without orthodontic coverage.

Best for Rewards Programs: Ameritas Dental Insurance

Ameritas is well known in the insurance industry as one of the leading providers of dental insurance.

Like the previous ones, the company has an “A – Excellent” rating with AM Best and an “A + Strong” rating with Standard & Poor’s.

It also offers a program of «dental rewards«, through which affiliates can increase the maximum annual benefit.

A program intended to help pay for more expensive procedures in the future by visiting a dental provider each year and submitting a claim.

The member must remain at or below the dental plan’s annual benefit threshold, that is, US$500 for all claims paid during the year.

Over time, as a member you can earn up to the maximum reward pool of $2,000 and can earn a $100 dental network bonus each year as long as you visit an Ameritas network provider for dental care. .

You can get more details go to the web domain ameritas.com.

Here are some features that come standard with every Ameritas dental plans:

  • Preventive services are 100% covered with new network providers. Network providers charge 25% to 50% less than regular rates.
  • Members can visit any dentist outside of the network.
  • All plans include the “dental rewards” program.
  • Members can save on prescriptions at more than 60,000 participating network pharmacies.

Keep reading: