Which dental insurance

Please update your browser, or use an alternative browser such as Google Chrome , Microsoft Edge , or Mozilla Firefox for the best Cigna. There are many different types of dental insurance plans. What does it cover, and what does a full coverage dental plan cost?

Full coverage dental insurance includes plans that help cover you for preventive care, as well as basic and major restorative care, and in some cases orthodontic treatment.

For example, you may have coverage for more costly things like root canals, bridges, and implants, as well as coverage for your preventive dental care. Many types of dental plans provide coverage for services and treatments that go well beyond preventive care. These are considered full coverage. They can differ greatly, though, in covered services, costs, and limitations, even between insurance carriers. The services and treatments covered under a full coverage dental plan depends on the type of dental plan you choose.

Typically, full coverage plans go beyond preventive care. They may also offer coverage for the following:. When choosing a full coverage dental plan, read the details carefully. Dental plans can vary even between insurers. Full coverage dental plans vary in cost depending on what type of plan you choose.

Yes, there are full coverage dental plans without a waiting period. A waiting period is the period of time between your plan start date and when you are actually covered to receive certain kinds of care.

Often a plan will cover you for preventive care right away, but ask you to wait a certain amount of time before it will cover you for more complex and costly care. None for preventative care; 4 months for basic services. Premier Choice Dental. Primary Preferred Plus Dental.

None for preventative care and basic services; 6 months for major services. Cost-sharing in network. Cigna Dental Preventative. Delta Dental Preventative Plan. Delta Dental Enhanced Plan. None for diagnostic, preventative or basic care.

Delta Dental Premium Plan. None for diagnostic, preventative and basic services; 12 months for orthodontic services. Preventative Value PPO. None for preventative services; 6 months for basic services; 12 months for major services. Major services This can include retainers and root canals. Access to a wide dental network Including dental offices in both private and retail settings. Direct payment to in-network dentists No need to submit claim forms.

No age restrictions Find coverage for every member of your family and every stage of life. How can dental plans make dental care more affordable? Learn more about dental plan coverage and costs.

Learn about Dental Premier plans. Find details about other dental plans. Learn more about dental insurance plans. Or are you interested in including coverage for major dental services? Ready to find a dental insurance plan that's right for you? Find a plan that works for you and your family by exploring our wide range of options. Learn more and check out our plan options.

Get a quote. Find out more about our other coverage options — such as vision insurance. Learn more about vision plans. Need help finding a plan? Answer a few questions to see which insurance options may be available for you.

Footnotes Primary insured must be at least 18 years of age. Renaissance Dental works with a network of , 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 it has several different plans for individuals and families that offer varying levels of coverage and inclusions to meet consumers' needs.

It also makes it easy to get a free quote online no matter where you live, so shopping around to compare plans is simple and convenient. It guarantees acceptance for everyone, and you even can get coverage for major services and dental implants. Currently, you can choose from , dental providers at , access points nationwide. In addition to its Network plans, which provide coverage in-network, Spirit offers Choice plans, which allow policyholders to choose any dentist.

Below is an overview of a few of Spirit's plans. Availability and selection differ by state. The company currently has an A- rating from AM Best, which means it is fairly solid in terms of financial strength. You can select from more than , dentists across the United States, but you should note that plans, coverage amounts, and specifics for each policy can vary widely depending on where you live.

Waiting periods also can apply, including a six-month waiting time for basic services and up to 12 months for major services. Below is an overview of some of Humana's plans. UnitedHealthOne is our pick as best for families thanks to its winning combination of preventive care and orthodontia coverage that can save families a lot of money. UnitedHealthOne offers dental insurance plans with no age limit and preventive care covered with no deductibles or waiting periods.

It is part of the UnitedHealth Group, a Fortune company. The group has an A rating from AM Best for financial strength. Dental insurance plans, including coverage amounts and other details, can vary widely with UnitedHealthOne depending on where you live. However, this company does make it easy to get a free quote online without any medical underwriting.

Some plans from UnitedHealthOne require a waiting period of four months or longer for basic care and major services, although details can vary based on where you live. Some higher-tiered plans offer orthodontic coverage, although lower-tier plans may not cover major services like braces, crowns , and bridgework.

Here is an overview of a few of United's plans. We chose Physicians Mutual for seniors since there are no annual or lifetime limits on the coverage, including benefits to help pay for dentures, and it offers specialized pricing for a senior's budget.

Physicians Mutual dental insurance can be trusted for its financial strength since the company has an A rating from AM Best. This provider also has plans that can be particularly good for seniors since they include coverage for up to procedures, including crowns and dentures.

A waiting period of three months applies to basic care like fillings and extractions, and a month waiting period applies to major services like crowns and root canals. Physicians Mutual policies come with no annual or lifetime benefit limits on your coverage, and you can choose your dentist from its network of more than , providers. Physicians Mutual offers three basic dental insurance plans.

These include:. Economy Plus plans reimburse at a lower rate, whereas Preferred Plus plans reimburse at the highest rate. Delta Dental has several dental insurance plans that include orthodontic care for both children and adults, whereas most other providers don't have multiple, affordable orthodontia choices.

Delta Dental also boasts an A rating from AM Best—a testament to the financial strength of the company. While plan details vary from state to state, Delta Dental offers several different types of insurance, including options that cover orthodontic care. Pricing and plan options vary between states.