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Affordable Dental Insurance?

What You Need To Know Before Purchasing Dental Coverage.


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.

Affordable Dental Insurance

How Does Dental Insurance Work?

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:

Preventive: Dental insurance plans typically cover 100% of the cost of preventive care, which includes annual checkups, bitewing x-rays, and routine cleanings.

Basic: Most insurance plans cover 80% of the cost of "basic," uncomplicated services, such as fillings, simple extractions and some types of deep cleanings.

Major: Dental insurance typically covers 50% of treatments such as root canals, crowns, bridges and dentures.

Simple, right? Yes, but you also have to factor in waiting periods, copays, annual maximums, and your oral health needs.

Understanding Dental Insurance Terminology

Annual Maximums & Coinsurance
  • Annual maximum: The amount your dental insurance plan will pay annually toward your cost of care
  • Coinsurance: A percentage of the cost of a dental service that you pay out-of-pocket
Copays & Deductibles
  • Copay: A flat fee you pay for a dental service covered by insurance
  • Deductible: The amount you pay out-of-pocket before your coverage begins
In-Network & Premiums
  • In-network: Dentists who have a contract with your dental insurance company
  • Premium: The amount you pay each month for dental insurance
Pre-existing conditions & Waiting periods
  • Pre-existing conditions: Any dental problems that you had before getting insurance
  • Waiting period: The length of time – six months to a year – that must pass before basic and major dental procedures are covered by your dental plan

How Much Does Dental Insurance Cost

Costs vary according to the type of dental insurance you choose and the coverage it offers. Here are some examples:

Delta Dental PPO Individual Basic Plan

Delta Dental PPO Basic

Plan covers preventive care



Cost starts at $13.36 a month

View Plan

Delta Dental PPO Individual Premium Plan

Delta Dental PPO Premium

Plan covers preventive care and restorative care, including braces and dental implants

Cost starts at $25.15 a month

View Plan

Humana Complete Dental Insurance

Humana Complete

Plan covers preventive and restorative care.


Cost starts at $37.99 a month

View Plan

Renaissance Dental Insurance Plan III

Renaissance Dental Insurance

Plan covers preventive and restorative care.


Cost starts at $35.60 a month

View Plan


Price isn’t the only issue to consider. 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.


Does Dental Insurance Cover…?

Missing Tooth Replacement?

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.

Cosmetic Treatments?

Most dental insurance plans do not cover elective procedures such as teeth whitening or porcelain overlays.

Dental Implants?

Typically, no, since there are less-expensive ways of restoring missing teeth. But some plans, like Cigna Premium, do cover dental implants.

Braces?

Some dental insurance plans do. But check the annual lifetime coverage limit for orthodontics and ask your dentist/orthodontist for a cost estimate. You may be able to save more money on braces with a dental savings plan.

Is Dental Insurance Worth It?

It depends on your dental care needs, and how you pay for dental insurance.

Affordable Dental Insurance Alternatives

Members of dental savings plans get 10%-60% off dental procedures (the actual savings depend on specific procedure and the plan you choose) at participating dentists. You pay the discounted fee when you get care, directly to your dentist. And, unlike traditional dental insurance, members of dental savings plans don’t have to worry about annual spending limits and can save on restorative procedures as soon as their plan activates.

Dental savings plans, also known as dental discount plans, are a great choice for people who have existing oral health problems, those who need treatments like root canals, crowns or other dental restorative care ASAP, or whose dental care costs exceed $1000 annually.

Unexpected Dental Emergencies

You can’t afford to delay critical dental care, but how can you pay that big bill? With a dental savings plan that activates within 24-hours, you can afford to get the care you need – fast!


Dental Discounts Without The Wait

Can’t wait 6-12 months for dental insurance coverage to kick in for that root canal, crown or bridge? With a dental savings plan, there are no waiting periods, so you get reduced rates at the dentist the minute your plan activates – typically within 72 hours.


A Nationwide Network Of Caring Dentists

Why do dentists offer discounts? Because it’s good for their business, and it’s good for the communities they serve. With most dental savings plans you gain access to a nationwide network of dentists who warmly welcome plan members.


Affordable Quality Dental Care

Dental discounts don’t mean that the quality of care is reduced. Many dental savings plans pre-screen dentists prior to accepting them into the plan’s network.

To learn more about dental insurance – and alternative options designed to make dental care more affordable – please contact our team today!