Find the Top Dental Companies for your needs and your budget.
Proper dental care can be expensive, and this is especially true if you need work beyond basic cleanings and preventive care. A report from the American Dental Association says that, on average, adults ages 19 to 34 spend approximately $492 on dental work within a year, whereas those ages 35 to 49 spend $598. Annual spending surges to $785 on average for individuals ages 50 to 64, which reflects the fact that older Americans tend to need more dental work.
Getting a dental insurance plan at any age can help cover the costs of preventive care while softening the blow on pricier dental procedures like crowns, bridges, and fillings. Still, it’s important to shop around to find dental insurance plans that include the amounts of coverage you need without low annual caps or exclusions that can prevent you from getting any value.
List Of Top Dental Companies
We compared more than 20 dental insurance plans based on premium, coverage, caps, and more. As you search for a new plan for yourself or your family, consider the companies we highlight below.
1: UnitedHealthOne Dental Insurance
Dental coverage through UnitedHealthOne is available in both individual and employer plans.
Golden Rule Insurance Company, which underwrites many of UnitedHealthOne’s individual insurance products, is rated “A (Excellent)” from AM Best, and its rating indicates the financial strength and stability of UnitedHealthOne’s products.1
The six dental plans listed below are available with the noted benefits:
- Dental Primary: $50 per person deductible for basic services when using a network provider. No copay for preventive care. Fifty percent for basic services after a deductible. Major services not covered. $1,000 annual maximum per person for coverage amount.
- Dental Primary Preferred: $50 per person deductible for basic services and $50 per person deductible for major services when using a network provider. $25 copay for preventive care. Thirty-five percent for basic services after deductible. 15 percent for major services after deductible. $1,000 annual maximum per person for coverage amount.
- Dental Essential: $50 per person deductible for basic services when using a network provider. 80 percent for preventative services. 50 percent for basic services after deductible. Major services not covered. $1,000 annual maximum per person for coverage amount.
- Dental Essential Preferred: $50 per person deductible for basic services and $50 per person deductible for major services when using a network provider. 80 percent for preventive care. 50 percent for basic services after deductible. 15 percent for major services after deductible. $1,000 annual maximum per person for coverage amount.
- Dental Premier Choice: $50 combined per person deductible for basic and major services with a network provider. $0 copay for preventive care. 50 percent for basic services after deductible. 10 percent for major services after deductible. $1,500 annual maximum.
- Dental Premier Elite: $50 combined per person deductible for basic and major services with a non-network provider. $0 copay for preventive care. 50 percent for basic services after deductible. 15 percent for major services after deductible. $2,000 annual maximum.
2: Delta Dental Insurance
Delta Dental is the largest provider of dental benefits in the United States and has a network of over 155,000 practicing dentists nationwide.
Delta Dental has an “A (Excellent)” rating from A.M. Best, which affirmed the financial strength rating and the issuer credit ratings for the company.2
Delta Dental offers individual and group plans as well as plans through the Health Care Exchange (Marketplace). Delta Dental offers plans designed to help families on a budget.
The following is an overview of two Delta Dental insurance plans:
- DeltaCare USA: This is a prepaid plan that has, among other benefits, no deductible or annual dollar maximums; no copayments or low copayments for most diagnostic and preventive services; coverage for more than 300 procedures, including additional cleanings, bleaching, and tooth whitening; and no exclusions for pre-existing conditions or missing teeth. As an enrollee, you would need to choose a primary care dentist from the preferred provider network.
- Delta Dental PPO: This is the company’s preferred-provider option program. Enrollees 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 instance, if filings are covered at 80%, enrollees pay the remaining 20% of the cost. Enrollees may be responsible for a deductible, as well as charges for non-covered services and amounts over the annual maximum.
3: Renaissance Dental
- Some plans from Renaissance cover preventive care at 100%
- Choose from a network of 300,000 dental offices nationwide
- Choose a coverage level to meet your needs and get a free quote online
- All Renaissance plans come with an annual maximum benefit of $1,000 per person
- None of their plans covers orthodontic care
- Coverage for basic and major services is limited
- The Renaissance Essential plan comes with a six-month waiting period for restorative care
Renaissance Dental works with a network of 300,000 dental offices nationwide, and in-network dentists who use this insurance will file paperwork and claims on your behalf. This company’s customer service is known for its quality, and they have several different plans for individuals and families that offer varying levels of coverage and inclusions to meet consumers’ needs.
Renaissance Dental has an A rating from AM Best, so you can feel confident in this company’s financial strength.3 They also make it easy to get a free quote online no matter where you live, so shopping around to compare plans is simple and convenient.
Note that not all Renaissance Dental plans cover preventive care at 100%, and some waiting periods apply for restorative care and major services. Annual maximum benefits for all Renaissance Dental insurance plans are limited to $1,000, and a $50 deductible for individuals or a $150 deductible for families applies to all their plans.
How much you will pay for coverage with this provider depends on where you live, but here are some sample premiums for a 40-year-old in Indiana:
Why we chose this company: Renaissance Dental does not have the same comprehensive coverage as Cigna, but it gets the runner-up spot due to the fact they have a bigger network (300,000+ dental offices) and an excellent reputation for customer service.
4: Humana Dental Insurance
As one of the largest dental insurers in the United States, Humana offers dental insurance plans for individuals and groups. According to the company’s website, enrollees may save 20% to 60% depending on their plan, when they get dental services from a dentist in a dental network.
The dental plans listed below are available with the noted benefits:
- Dental Loyalty Plus: Ability to choose any network or non-network dentist. Full coverage of preventive services. 40% coverage in first year, 55% in second year, and 70% in third year and beyond for basic services. 20% coverage in first year, 30% in second year, and 50% in third year and beyond for major services. One-time deductible. No waiting period. $1,000 annual benefit maximum in first year, $1,250 in second year, and $1,500 in third year and beyond.
- Dental Value: Full coverage of preventive services. Set fee schedule for basic and major services. Lifetime deductible of $50 for an individual and $150 for a family. No waiting period. No maximum benefit limit.
- Dental Preventive Plus: Full coverage with in-network providers for preventive services. 50% coverage with in-network providers (after deductible) for basic services. No copays. Discounted fees with in-network provider for major services. Low annual deductible. No waiting period.
- Dental Savings Plus: 20% to 40% coverage for preventive services. Discounted fees with in-network provider for basic and major services. No copays. No deductibles. No waiting period. No limit on the number of services that can be used each year. Discounts for orthodontics up to 20%. Discounts for prescriptions averaging 37%.
- Complete Dental: 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. No waiting period for preventive care and other waiting period for basic and major services waived with proof of prior dental insurance.
5: Cigna Dental Insurance
Cigna offers three different dental plan options through its network of more than 93,000 dentists.
Cigna has an “A (Excellent)” rating from A.M. Best, which affirmed the financial strength rating and the issuer credit ratings for the company.3
If you often travel abroad, Cigna’s coverage is global, so you will have to go without dental care while you are away from home.
The following are Cigna Dental’s individual insurance plans:
- Cigna Dental 1500: $0 for in-network preventive services. Up to $1,500 covered per year (after deductible and coinsurance) for restorative services. $50 deductible for individuals and $150 deductible for families. Up to $1,000 covered for orthodontia.
- Cigna Dental 1000: $0 for in-network preventive services. Up to $1,000 covered per year (after deductible and coinsurance) for restorative services. $50 deductible for individuals and $150 deductible for families. No coverage for orthodontia.
- Cigna Dental Preventive: $0 for in-network preventive services. No coverage for restorative services. No deductibles for individuals or for families. No coverage for orthodontia.
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What Does Dental Insurance Cover?
Dental insurance typically covers teeth cleanings, preventative care, crowns, and fillings. Some dental insurance also covers a portion of orthodontics, periodontics, and prosthodontics. Dental insurance typically does not cover cosmetic dental procedures or teeth whitening.
How Much Does Dental Insurance Cost?
If your employer offers dental insurance coverage as part of their benefits package, it’s generally cheaper than purchasing it on your own. Like health insurance, you pay a monthly premium and need to meet a deductible before the insurance provider pays for your services.
Deductibles may be as low as $50, but the amount of services covered per year may have a cap, such as $1,000 or $1,500. Also, you may be required to stay within a network or risk paying more for out-of-network providers.
Is Dental Insurance Worth the Cost?
Dental insurance usually covers only a portion of the procedures and preventative care you require. For annual checkups and cleanings and nothing more, you may be better off paying out of pocket. However, as with health insurance, your savings can be substantial if you need an unexpected procedure such as a root canal.
How We Chose the Top Dental Companies
We chose these dental insurance providers based on the types of plans they offer and their financial strength ratings, costs, benefits, and discounts offered.