Best Dental Insurance Companies
Dental insurance helps cover the cost of preventive dental care while cushioning the blow of more expensive procedures such as crowns, bridges and fillings. It's important to shop around to find a dental insurance company that has plans that provide the amount of coverage you need without low annual limits or exclusions that can prevent you from getting any value.
The best dental insurance plans offer access to a wide network of dentists, reasonable maximum annual benefits and access to low premiums. When looking for the best dental insurance company, be sure to carefully compare and review the dental policies you are considering so you know exactly what is covered and what is not.
Cigna
Cygna
Types of policies: 3
Coverage Limit: Up to $1,500
Available countries: 50
quote
Why we chose it
We chose Cigna as the best comprehensive dental insurance because of its extensive network of more than 92,000 dentists and the variety of plans that can fit different needs and budgets.
The pros and cons
Positive
Some plans include restorative and orthodontic coverage
A network of more than 93,000 dentists nationwide
Negative
Six to 12 month waiting periods for major services
Dental implants and cosmetic procedures are not covered
Summary
VIDEO, BEST EVER
Renaissance Dental Clinic
Renaissance Dental Clinic
Types of policies: 4
Coverage Limit: $1,000
Available countries: 50
quote
Why we chose it
Renaissance Dental doesn't have the same comprehensive orthodontic coverage as Cigna, but it gets the second spot due to the fact that it has a larger network (over 300,000 dental offices) and an excellent reputation for customer service.
The pros and cons
Positive
Some plans cover 100% preventive care.
300,000 dental practices across the country
Free online quote
Negative
There are no plans that cover orthodontic care
Coverage of basic and main services is limited
Summary
The best with no waiting time
Soul Dental
Soul Dental
Types of policies: 16
Coverage Limit: $5,000 per 3 years
Available countries: 50
quote
Why we chose it
We chose Spirit Dental because their plans don't require waiting periods, and you only have to pay the $100 deductible once instead of every year.
The pros and cons
Positive
100% coverage of 3 cleanings and 2 exams per year
There is no waiting time
$100 Lifetime Rebate
Negative
Maximum annual coverage can be up to $750
Plans vary widely in limits and annual costs
Summary
Best value
Humane dental insurance
Humane dental insurance
Types of policies: Eight
Coverage Limit: $1,000 to unlimited
Available countries: 50
quote
Why we chose it
We chose Humana as the best value because of the lower starting rates for basic plans, the fact that preventive services are covered 100%, and the fact that some plans have a one-time discount.
The pros and cons
Positive
Plans include preventive care with 100% coverage.
Humana works with more than 335,000 dentists across the country.
Negative
Maximum annual benefits can be up to $1,000.
Some plans have long waiting times for basic/core services.
Summary
Best for families
UnitedHealthOne dental insurance
UnitedHealthOne dental insurance
Types of policies: 10
Coverage Limit: $1,000 +
Available countries: 50
quote
Why we chose it
UnitedHealthOne is our top choice for families thanks to a winning combination of preventive care and orthodontic coverage that can save families a lot of money.
The pros and cons
Positive
A wide network of dentists is available.
Many plans include 100% preventive care.
Some plans cover orthodontics.
Negative
Maximum annual benefit amounts can be up to $1,000 per person.
Waiting periods may apply to basic and main services.
Summary
Best for seniors
Mutual doctors
Mutual doctors
Types of policies: 3
Coverage Limit: Unlimited
Available countries: 50
quote
Why we chose it
We chose Physicians Mutual for Seniors because there are no annual or lifetime limits on coverage, including benefits to help pay for braces, and they offer specialty rates for seniors on a budget.
The pros and cons
Positive
There is no waiting period for preventive care
There are no limits on annual or lifetime benefits
there are no discounts
Negative
Three months waiting period for basic procedures
12-month waiting period for large business
Limits on how much they pay per procedure
Summary
The best for orthodontics
Delta Dental
Delta Dental
Types of policies: 5
Restrictions