Best Dental Insurance in Illinois: A Comprehensive Guide

When it comes to dental care, the costs can quickly add up. From routine cleanings to major procedures, dental expenses can be a significant financial burden for many individuals and families. Fortunately, dental insurance can help alleviate some of the financial strain. In this guide, we will explore the best dental insurance options available in Illinois.

What to Consider When Choosing a Dental Insurance Plan

Before exploring the best dental insurance plans in Illinois, it’s important to understand what factors should be considered when choosing a plan. Here are a few things to keep in mind:

Coverage

One of the most important factors to consider when choosing dental insurance is coverage. Make sure the plan you choose covers the services you need, whether it be routine cleanings or major procedures. Additionally, check to see if there are any coverage limitations or annual maximums.

Cost

Another important factor to consider is cost. Look at the monthly premiums, deductibles, and out-of-pocket expenses to determine the overall cost of the plan. Keep in mind that a lower monthly premium may result in higher out-of-pocket costs.

Network

Some dental insurance plans have a network of dentists that you can choose from. Make sure the plan you choose has a network that includes dentists in your area. If you have a preferred dentist, make sure they are in-network.

Enrollment Period

Most dental insurance plans have enrollment periods. Make sure you enroll during the appropriate period to ensure coverage begins when you need it.

The Best Dental Insurance Plans in Illinois

Now let’s take a look at the best dental insurance plans available in Illinois:

Delta Dental of Illinois

Delta Dental of Illinois is one of the largest dental insurance providers in the state. They offer a variety of plans with different coverage options and monthly premiums. Delta Dental of Illinois also has a large network of dentists, so it’s likely that your preferred dentist is in-network.

One of the standout features of Delta Dental of Illinois is their focus on preventive care. Many of their plans cover 100% of the cost of routine checkups and cleanings. Additionally, their plans have low deductibles and annual maximums.

Cigna Dental

Cigna Dental offers a variety of dental insurance plans with different coverage options and monthly premiums. They have a large network of dentists in Illinois, so it’s likely that your preferred dentist is in-network.

One of the standout features of Cigna Dental is their focus on transparency. They provide detailed information about the cost of services upfront, so you know exactly what you’ll be paying. Additionally, many of their plans cover 100% of the cost of routine checkups and cleanings.

Humana

Humana offers a variety of dental insurance plans with different coverage options and monthly premiums. They have a large network of dentists in Illinois, so it’s likely that your preferred dentist is in-network.

One of the standout features of Humana is their focus on flexibility. They offer plans with no waiting periods and no annual maximums. Additionally, many of their plans cover 100% of the cost of routine checkups and cleanings.

FAQ

How much does dental insurance cost in Illinois?

The cost of dental insurance in Illinois can vary depending on the plan you choose. Monthly premiums can range from $20 to $80 or more, depending on the level of coverage.

Does dental insurance cover cosmetic procedures?

Most dental insurance plans do not cover cosmetic procedures, such as teeth whitening or veneers. However, some plans may cover orthodontic procedures to correct misaligned teeth.

Is there a waiting period for dental insurance?

Many dental insurance plans have a waiting period before coverage begins. The length of the waiting period can vary depending on the plan, but it’s typically between 3 and 6 months.

What is a deductible?

A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and a $1,000 procedure, you will pay $500 and your insurance will cover the remaining $500.

Can I keep my current dentist with dental insurance?

It depends on the plan you choose. Some dental insurance plans have a network of dentists that you must choose from. If your preferred dentist is not in-network, you may have to switch dentists in order to receive coverage.

Conclusion

When it comes to dental insurance, there are many options available in Illinois. Delta Dental of Illinois, Cigna Dental, and Humana are just a few of the top providers. When choosing a plan, make sure to consider the coverage, cost, network, and enrollment period to ensure you choose the best plan for your needs.