Dental insurance is an important investment in maintaining one’s oral health. Dental insurance can cover routine checkups, cleanings, fillings, and more extensive procedures such as root canals and extractions. With so many dental insurance companies available, it can be difficult to determine which one is the best fit for your needs. In this article, we will discuss the top 10 dental insurance companies in the USA, their background and history, the types of plans they offer, and the pros and cons of each company.
10 Best Dental Insurance Company in USA
1. Delta Dental
Delta Dental is the largest best dental insurance company in USA, serving over 80 million Americans. Delta Dental was founded in 1954 by a group of dentists who recognized the need for affordable dental care. Today, Delta Dental offers a variety of plans, including Delta Dental Premier, Delta Dental PPO, and DeltaCare USA.
Delta Dental Premier is a fee-for-service plan that allows you to visit any licensed dentist. Delta Dental PPO is a preferred provider organization plan that offers lower out-of-pocket costs when you visit a dentist in the Delta Dental network. DeltaCare USA is a dental health maintenance organization plan that requires you to choose a primary care dentist from the DeltaCare network.
Pros:
Largest best dental insurance company in the USA
Wide range of plan options to choose from
Large network of dentists to choose from
Affordable premiums
Cons:
Some plans may have waiting periods before coverage begins
Coverage may be limited for certain procedures
Annual maximums may be lower than other insurance companies
2. MetLife
MetLife was founded in 1868 and is a leading provider of dental insurance in the USA. MetLife offers two main dental plans: MetLife TakeAlong Dental and MetLife Preferred Dentist Program.
MetLife TakeAlong Dental is a portable insurance plan that allows you to continue your coverage even if you switch jobs or retire. MetLife Preferred Dentist Program is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the MetLife network.
Pros:
Portable dental insurance plan
Large network of dentists to choose from
No waiting period for coverage to begin
Affordable premiums
Cons:
Some procedures may not be covered
Annual maximums may be lower than other insurance companies
MetLife TakeAlong Dental may be more expensive than other plans
3. Cigna
Cigna is a global health service company that was founded in 1982. Cigna offers a variety of dental plans, including Cigna Dental 1500, Cigna Dental 1000, and Cigna Dental Preventive.
Cigna Dental 1500 is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the Cigna network. Cigna Dental 1000 is a similar plan but has lower coverage amounts. Cigna Dental Preventive is a plan that covers routine cleanings, exams, and x-rays.
Pros:
Large network of dentists to choose from
Coverage for routine cleanings and preventive care
No waiting period for coverage to begin
Affordable premiums
Cons:
Some procedures may not be covered
Annual maximums may be lower than other insurance companies
Limited coverage for major procedures
4. Aetna
Aetna is a health insurance company that was founded in 1853. Aetna offers a variety of dental plans, including Aetna Dental Direct, Aetna Dental Access, and Aetna Vital Savings.
Aetna Dental Direct is a plan that allows you to visit any licensed dentist and has no deductibles or waiting periods. Aetna Dental Access is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the Aetna network. Aetna Vital Savings is a discount plan that offers savings on dental care, vision care, and prescription medications.
Pros:
No deductibles or waiting periods for Aetna Dental Direct
Large network of dentists to choose from
Affordable premiums
Coverage for major procedures
Cons:
Some plans may have waiting periods before coverage begins
Limited coverage for some procedures
Annual maximums may be lower than other insurance companies
5. Guardian
Guardian was founded in 1860 and is a leading provider of dental insurance in the USA. Guardian offers a variety of plans, including Guardian DentalGuard Preferred, Guardian DentalGuard Select, and Guardian DentalGuard DHMO.
Guardian DentalGuard Preferred is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the Guardian network. Guardian DentalGuard Select is a similar plan but has lower coverage amounts. Guardian DentalGuard DHMO is a dental health maintenance organization plan that requires you to choose a primary care dentist from the Guardian network.
Pros:
Large network of dentists to choose from
Coverage for major procedures
Affordable premiums
No waiting period for preventive care
Cons:
Limited coverage for some procedures
Annual maximums may be lower than other insurance companies
Guardian DentalGuard DHMO may have restrictions on which dentists you can see
6. Humana
Humana is a health insurance company that was founded in 1961. Humana offers a variety of dental plans, including Humana Dental Preventive Plus, Humana Dental Loyalty Plus, and Humana Dental Value.
Humana Dental Preventive Plus is a plan that covers routine cleanings, exams, and x-rays. Humana Dental Loyalty Plus is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the Humana network. Humana Dental Value is a plan that offers coverage for major procedures.
Pros:
Coverage for routine cleanings and preventive care
Large network of dentists to choose from
Affordable premiums
Coverage for major procedures
Cons:
Some procedures may not be covered
Annual maximums may be lower than other insurance companies
Limited coverage for some procedures
7. UnitedHealthcare
UnitedHealthcare is a health insurance company that was founded in 1977. UnitedHealthcare offers a variety of dental plans, including UnitedHealthcare Dental, UnitedHealthOne Dental, and UnitedHealthcare Dental DHMO.
UnitedHealthcare Dental is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the UnitedHealthcare network. UnitedHealthOne Dental is a plan that offers coverage for major procedures. UnitedHealthcare Dental DHMO is a dental health maintenance organization plan that requires you to choose a primary care dentist from the UnitedHealthcare network.
Pros:
Large network of dentists to choose from
Coverage for major procedures
Affordable premiums
No waiting period for preventive care
Cons:
Limited coverage for some procedures
Annual maximums may be lower than other insurance companies
UnitedHealthcare Dental DHMO may have restrictions on which dentists you can see
8. Ameritas
Ameritas was founded in 1887 and is a leading provider of dental insurance in the USA. Ameritas offers a variety of plans, including Ameritas Dental Prime and Ameritas Dental Network.
Ameritas Dental Prime is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the Ameritas network. Ameritas Dental Network is a dental health maintenance organization plan that requires you to choose a primary care dentist from the Ameritas network.
Pros:
Large network of dentists to choose from
Coverage for major procedures
Affordable premiums
No waiting period for preventive care
Cons:
Limited coverage for some procedures
Annual maximums may be lower than other insurance companies
Ameritas Dental Network may have restrictions on which dentists you can see
9. MetLife
MetLife is a global insurance company that was founded in 1868. MetLife offers a variety of dental plans, including MetLife TakeAlong Dental, MetLife Federal Dental, and MetLife PPO.
MetLife TakeAlong Dental is a plan that allows you to keep your coverage even if you change jobs or retire. MetLife Federal Dental is a plan that is available to federal employees and retirees. MetLife PPO is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the MetLife network.
Pros:
Coverage that can be taken with you even if you change jobs
Large network of dentists to choose from
Affordable premiums
Coverage for major procedures
Cons:
Limited coverage for some procedures
Annual maximums may be lower than other insurance companies
Waiting periods may apply for some procedures
10. Cigna
Cigna is a health insurance company that was founded in 1792. Cigna offers a variety of dental plans, including Cigna Dental 1500, Cigna Dental Preventive, and Cigna Dental Loyalty. Cigna Dental 1500 is a plan that offers coverage for major procedures. Cigna Dental Preventive is a plan that covers routine cleanings, exams, and x-rays. Cigna Dental Loyalty is a fee-for-service plan that allows you to visit any licensed dentist, but you will receive lower out-of-pocket costs if you choose a dentist in the Cigna network.
Pros:
Coverage for routine cleanings and preventive care
Large network of dentists to choose from
Coverage for major procedures
Affordable premiums
Cons:
Some procedures may not be covered
Annual maximums may be lower than other insurance companies
Waiting periods may apply for some procedures
Conclusion
Choosing the best dental insurance company in USA can be a daunting task, but it is important to take the time to research and compare different plans to find the best fit for you and your family’s needs. Each of the 10 dental insurance companies discussed in this article has its own unique features, benefits, and drawbacks. By considering factors such as coverage options, premiums, deductibles, and network of dentists, you can make an informed decision and select the dental insurance company that is right for you. Remember, regular dental checkups and preventive care can help prevent more serious dental issues down the road, so investing in dental insurance can be a wise decision for your oral health and overall well-being.
