5 Best Health Insurance Plans That Include Dental
Most people defer their visit to a dentist until the matter gets worse and they suffer from acute pain. Also, getting dental treatment is a costly affair as well. Dental expenses are high and it can burn your pocket sometimes.
However, most people do believe that their regular health insurance plan should cover dental expenses. But it is not true always. So, does your health insurance plan include dental treatment? Read on to find out. Also, this post features the 5 best health insurance plans that include dental treatment.
DENTAL COVERAGE AVAILABILITY:
You get dental coverage in two ways.
- HEALTH INSURANCE PLANS THAT INCLUDE DENTAL COVERAGE – You can find health insurance plans with dental coverage from several insurance companies. However, you have to choose the right plan that includes expenses for your dental treatment. When a health plan comes with a dental cover, the premium is calculated for both health and dental coverage.
- STANDALONE OR SEPARATE DENTAL PLANS – In some cases, the insurance company may issue standalone or separate plans for dental coverage. You can find them while comparing the plans. However, if you choose a separate dental plan, you have to pay an additional premium.
DOES A HEALTH INSURANCE PLAN THAT INCLUDES DENTAL COVERAGE WORTHY?
This is a tricky question because there are lots of health plans that come with dental coverage. Also, there are plenty of insurance companies. Moreover, you have to compare those plans to find out what you are looking for.
Most of the dental expenses aren’t covered explicitly even if the health plan includes dental coverage. There are certain restrictions. The extent of dental treatment is very large. So, compare the pans thoroughly and find the right one for your needs.
5 BEST HEALTH INSURANCE PLANS THAT INCLUDE DENTAL EXPENSES:
1. CIGNA DENTAL 1500
With a network of more than 90,000 dentists and a variety of plans that fits your need and budget, Cigna is one of the most popular health insurance companies in the US. The company provides 24*7 phone support so that patients don’t have to wait for long hours to resolve an issue.
Cigna health insurance plans with dental cover are for all ages. Also, Cigna allows customers to choose from different levels based on their needs. And, some plans provide orthodontic care at higher price points.
PROS –
- Wide network of over 90,000 dentists
- Some plans include restorative and orthodontic coverage
CONS –
- Costly dental cosmetic and implant procedures aren’t covered
- A waiting period of 6 to 12 months for critical treatment
2. UNITED HEALTH CARE ESSENTIAL DENTAL
The dental coverage plans provided by United Health Care Insurance have no age limit. And, some of them are even covered without waiting periods or deductibles. The dental cover includes the main coverage amount with other details and it depends on the area where you live.
However, you can get a free quote online without the need for medical underwriting. Some of the plans might have a waiting period of 4 months or longer depending on the major services such as bridgework, crowns, or braces. Also, some higher-tiered plans provide orthodontic care. United Health Care provides access to dentists across the country.
PROS –
- Easy to get a quote
- A broad network of dentists
- Most plans include preventive care benefits
- Orthodontics are covered as well
CONS –
- No coverage for critical treatment with a low premium
- A waiting period may apply for major services
- Maximum benefit for about $1000 per person annually
3. HUMANA COMPLETE DENTAL PPO
With over 20 million users, Humana is one of the flourishing companies that provide dental coverage on some of their health insurance plans. They provide a variety of dental policies that vary according to the needs of an individual. Moreover, you can choose from a network of 260,000 dentists throughout the country.
However, all the plans and extent of coverage vary depending on the area where you live. Despite this, Humana provides value pricing with provision for hundred percent coverage for preventive care. There is a lifetime deductible of $150 for families and $50 for an individual. Also, you have to wait for about 12 months to avail of major services.
PROS –
- A huge network of 260,000 dentists nationwide
- Offers a variety of plans and has coverage for veterans as well
- Coverage includes 100% preventive care
CONS –
- Maximum benefit of $1000 annually
- Not all plans are available in every state
- Limited dental coverage for major procedures
4. DELTA DENTAL PREMIUM PLAN
As one of the largest health insurance companies, Delta provides dental coverage on some of its health insurance plans. They have their services in all regions of the US and Puerto Rico. The company has a wide network of more than 154,000 dentists across the country that serves over 80 million people.
However, plans details vary from one state to another, and that even includes the coverage for orthodontic care. Major services such as crowns, implants, and root canals are covered at 50%. Whereas, X-rays and cleanings are covered at 100%.
PROS –
- Large network of participating dentists
- Discount plans are available from dentists who provide discounted fees
- Certain plans include orthodontic care
CONS –
- Cost-sharing and limited coverage for orthodontic care
- Maximum annual benefits are quite low
5. RENAISSANCE ESSENTIALS PLAN III
Another great health insurance company that covers over 13 million people nationwide. Also, they have dental coverage plans that come with certain health insurance plans. Renaissance operates with a network of about 300,000 dental offices. They will fill the paperwork and claim on your behalf from the company.
The company’s customer service is popular for their quality service and they have several plans both for individuals and families. They provide different levels of dental coverage along with inclusions that meet customer’s needs.
Because Renaissance has an “A” rating from AM Best, you can feel confident about the company. However, remember that not all plans have coverage for preventive care at 100%. Also, there are waiting periods for major services and restorative care.
PROS –
- Free online quote
- No waiting period for diagnostic and preventive services
- Some plans provide preventive care at 100%
CONS –
- Low annual maximum benefit
- Plans don’t cover orthodontic care