Here’s an astonishing statistic: nearly 15% of our country’s population that needed dental attention between 2013 and 2016 refused to pay a visit to the dentist mainly due to financial constraints. The top reasons were either affordability or missing insurance coverage. Today, fortunately, there are quite a few pocket-friendly dental insurance options. Here’s a quick look at the five best dental insurance providers that you can consider.
With its vast network of nearly 95,000 dentists nationwide, Cigna had to feature on this list. They offer three different plans, and for those who choose the “Cigna Dental Preventative,” there are no copays and no deductibles for preventive care within the network of dentists. Orthodontic and restorative care is also covered in some of their policies. Additionally, support is available to customers 24/7 every day of the year, a crucial factor that makes it one of the best dental insurance providers.
Renaissance Dental is a shining example of an insurance provider with excellent customer service. It is a well-known name in the dental insurance space, and the company has a far-reaching network of 300,000+ dentists in 50 states across the country. They provide different coverage levels depending on the needs of your family. You can also choose a plan by requesting a free quote online. However, only some of their preventative plans cover care at 100%, and they have a cap of $1,000 on benefits. They also have a deductible of $50 for individuals and $150 for families.
Spirit Dental’s offering is simple. There is no waiting period for any of their plans, and you do not have to pay a deductible every year (the case with most insurance providers). You only have to pay the $100 once. Additionally, the plans cover preventive care at 100% and include three cleanings, two annual exams, and even orthodontic care for kids.
Much like its name, Humana offers various plans depending on each customer’s unique requirements. They charge both lifetime and annual deductibles but provide coverage for preventative care at 100%. But again, many of their plans do not cover significant changes. The best part about the plans of this dental insurance provider is their low starting price. Note that their maximum benefits start at $1,000 and can be unlimited, too, depending on the plan you choose.
A part of the Fortune 500 company UnitedHealth Group, UnitedHealthOne is another popular dental insurance provider. They offer plans with different coverage levels, no deductibles, no waiting period, no age limits, and preventative care. But the coverage changes depending on the tier of the plan you select. But rest assured that any package from this highly-rated company is worth considering.