Find cheap dental insurance by comparing plans, coverage & prices, and learn how to prevent major dental costs with DentalPlans.com
Premiums, deductibles, annual caps, waiting periods, PPOs and HMOs, co-pays – yes, choosing dental insurance can be complicated. You want coverage that doesn’t take a huge chunk out of your monthly budget and provides affordable preventive and restorative dental coverage when you need it. Here’s how to find your plan.
Dental insurance plans are intended to reduce the cost of dental care. Providers typically negotiate lower fees with in-network dentists, and also pay ("cover") a percentage of the reduced fee. You pay the rest out of pocket. Here’s how the savings break down:
Look at a plan’s annual spending maximum, the type of insurance plan, waiting period, and what procedures the plan covers as well as how that coverage aligns with your dental care needs.
Aetna Dental Direct Preferred PPO
Delta Dental PPO
Premium Plan
Humana Complete Dental Insurance
Renaissance Dental Insurance Plan
Preventive Care (routine checkups, cleanings, bitewing x-rays)
100% - deductible waived
100%
Covered 100% and deducible waived with in-network providers
Covered 100% and deducible waived with in-network providers
Basic Procedures
(fillings, extractions, emergency care for pain relief)
80%
80%
80%
80% in-network
60% out of network
(100% for pain relief care in network)
Major Procedures
(Root canals, crowns, dentures, bridges, etc)
50%
50%
50%
50% with in-and out of network providers
Orthodontic (Braces)
No
Yes (50%)
No
No
Cosmetic services
No
No
No
No
Dental Implants
No
Yes (50%)
No
Yes (50%)
Annual Benefit Maximum (per person)
$1,250
$2,000
$1,250 Year 1, $1,500 Year 2 and after
$1,000
Deductible
$50 per person $150 per family
$50 per person $150 per family
$50 per person $150 per family
$50 per person $150 per family
Waiting Period?
6 months for basic
12 months for major
6 months for basic
12 months for major
6 months for basic
12 months for major
6 months for basic
12 months for major
Cost
Starting at $24.22 a month
Starting at $25.15 a month
Starting at $37.99 a month
Starting at $35.60
per month
Aetna Dental Direct Preferred PPO
Delta Dental PPO Premium Plan
Humana Complete Dental Insurance
Renaissance Dental Insurance Plan
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Dental insurance plans may not cover the costs for some treatments, no matter how long you wait – such as replacing a tooth that you lost prior to purchasing the policy or dental work that is already in progress. Look for the “missing tooth” clause (yes, that’s what its typically called) when you are reviewing plan details.
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