List of the best dental insurance are highlights of the number of dental insurance plans that are considered most suitable and convenient for general human survival with regards to the human teeth. Like it was said before that insurance is some sort of protection plan that is made against unfavorable contingencies. This plan undoubted has other sub-plans or categories which should cover for the dynamic needs of man in areas of health, life, property, and so on. One of these areas on which this article is going to be concentrated is health insurance and it is from this that we have our major topic, dental health insurance.
Dental health is an important part of your overall health which if not ensured can cause you a great deal of health troubles. This fact follows the fact that every part of the human body is as important as the whole body itself. Thus if one part is ill, the whole body is sick. And given the constantly rising costs of things including the cost of paying for our health, it becomes financially efficient that one makes protection plan such as the dental insurance plan.
Dental plans can help you plan and budget for the costs of dental care when and where your financial capability does not guarantee. With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants. Dental insurance plans can help you manage your dental care costs better by offering the benefits you may need to stay on top of your oral health without stress of any kind.
Benefits of the Dental Insurance Plan
The dental plans, if done, are said to be important for protection over several parts of us and our families as related to the human dental health. Here are some of the benefits of the dental insurance plan:
- It finds coverage for every member of your family at every stage of life.
- It covers routine cleanings for all covered persons and fluoride treatments for those under the age of 16 on the plan, often with no deductible or waiting period.
- It can help you plan ahead for the costs of your dental care.
- It provides you with quality routine dental care.
- It relieves you of mental stress that is caused by economic stress due to some pocket-tearing costs for teeth cleaning, x-rays, implants, etc.
List of the Best Dental Insurance.
To put up a dental insurance plan that will be sufficiently enough for yourself and your family, you then need to have a good look at this list of the best dental insurance plans which may help cover for any insufficiencies that are not planned for. In light of the several dental insurance plans, here is the list of the best dental insurance companies and their dental insurance plans you can have anywhere in the world:
1. Cigna
This company is a global health service company, offers health, pharmacy, dental, supplemental insurance, and Medicare plans to individuals, families, etc.
- Cigna Dental Preventive
It covers 100% of preventive care. No deductible or annual limits apply.
- Cigna Dental 1000
This plan also covers 100% of preventive care, 80% of basic services and 50% of major work. The payout limit is set at $1,000 per calendar year.
- Cigna Dental 1500
It covers 100% of preventive care, 80% of basic services and 50% of major work. The annual limit is set at $1,500 and covers orthodontia for children and adults up to $1,000 per lifetime.
2. Guardian Direct
This is a big health company that helps make you ready for life’s surprises, and it also protects you and your savings with dental, vision, accident, life, disability, etc.
- Core Plan
Starting from $23.62, this great insurance plan covers procedures such as crowns, oral surgery, implants and dentures. Annual maximum limits start at $500 and go up to $1,000 by year three, while dental implants have a separate lifetime maximum of $700.
- Achiever plan
This dental insurance plan adds orthodontic benefits for people under 19 years of age and increases the annual maximum limits. The plan starts with a $1,000 limit and goes up to $1,500 by the third year.
- Diamond plan
It starts with a maximum payout limit of $1,500 for the first year, as a dental plan, and adds coverage for teeth whitening (capped at $500 annually).
3. Humana
As one of the list of the best dental insurance companies, Humana is an international health organization which takes the human wellbeing seriously and then provides the world with state-of-the-art health facilities and projects.
- Preventive Value PPO
This plan is great for people who want preventive care at a low cost.
- Bright Plus PPO
It adds coverage for basic procedures such as fillings and simple extractions and includes veteran discounts for prescriptions and vision and hearing care.
- Complete Dental PPO
It provides the most comprehensive coverage with benefits for preventive, basic and major procedures.
- Loyalty Plus PPO
In this plan, there are no waiting periods on any covered benefit, including major work. Coverage starts as soon as the plan is active, and Humana increases the benefits annually until the third year of enrollment. By year three, the insurer covers 100% of preventive care, 70% of routine care and 50% of major work up to a $1,500 annual limit.
4. Delta Dental
This company has the largest network of dentists nationwide which provides some of the best insurance plans on that platforms. It is no doubt one of the list of the best dental insurance companies.
- Delta PPO Premium
This plan covers 100% of routine care and 20 to 50% of basic and major procedures. Orthodontic treatment has 50% coverage, up to a $1,500 lifetime maximum.
- HMO
The company’s low-cost HMO dental plan, sets fixed copayment rates for preventive, basic and major services (including orthodontia) without deductibles or annual limits. Beneficiaries of this particular plan pay up to $2,800 out-of-pocket for braces and the plan covers the difference. The downsides are that policyholders must pay a yearly premium upfront and the provider network is limited.
5. DentaQuest
It is a purpose-driven oral health care company dedicated to improving the oral health of all. It has created an efficient dental plan for all and sundry which makes us count it among the list of the best dental insurance companies in the world.
- Personal Dental Plan
This is a preventive-only plan that covers annual cleanings, X-rays and evaluations for $8.35 a month. It also adds more coverage for minor and major restorative services such as extractions, fillings, denture repairs and oral surgery. DentaQuest’s most comprehensive coverage is available under the following policies:
- Personal Dental Plan Comprehensive Ortho 15000 (annual benefit limit of $1,500)
- Personal Dental Plan Comprehensive Ortho 2000 (annual benefit limit of $2,000)
6. United HealthCare Dental
This company provides services that you should be considered some of the best in the world. It gives plans that help alleviate more serious dental health conditions.
- Essential Plan
This exclusive plan meets the 80% coverage of dental insurance plan from day one. Coverage increases to 100% by year two. With fillings and extractions, this policy covers 50% after four months, up to $1,000 annually. Coverage will increase to 80% by year two.
- Essential Preferred Plan
This other plan also covers everything available in the Essential plan even though it adds 15% major work coverage with a six-month waiting period. After year two of enrollment, the major work benefit increases to 60%, with a payout limit of $1,000.
7. Spirit Dental
Certainly counted among the list of the best dental insurance companies, Spirit Dental company is a reliable platform for customers who care more about their dental health.
- Network Plan
This dental plan offer the best rates with providers within the approved network.
- Choice Plan
This is the second pinnacle plan under the dental insurance company which allows beneficiaries to pick their preferred provider with no network requirements.
Both of these dental plans offer a calendar year annual maximum of up to $5,000. This benefit is a significant jump from the usual limit of $1,500, which is a big relief for policyholders who need to finance major procedures such as implants or dentures.
