Going to the dentist can be expensive, but having dental insurance can help make it more affordable. Whether you need regular cleanings or major restorative work, having the right dental insurance can give you peace of mind and help you save money.
What is Dental Insurance?
Dental insurance is a type of insurance that helps cover the cost of dental care. Like health insurance, you pay a monthly premium and your insurance provider pays a portion of your dental care costs. Depending on your plan, your insurance may cover routine cleanings, fillings, extractions, and other procedures.
Having dental insurance can help you save money on dental care and give you access to preventive and restorative treatments that can help you maintain good oral health.
What to Look for in Dental Insurance
When shopping for dental insurance, there are several factors to consider:
Price
The cost of dental insurance can vary widely depending on your plan and your location. It’s important to compare prices and choose a plan that fits your budget.
Coverage
Make sure the plan you choose covers the services you need. Some plans have restrictions on the types of services they cover, so be sure to read the fine print before choosing a plan.
Network
Make sure the plan you choose has a network of dentists in your area. If you already have a dentist you like, make sure they’re in the network before signing up for a plan.
Top Dental Insurance Plans in PA
Insurance Provider |
Monthly Premium |
Coverage |
Delta Dental |
$35.00 |
80% coverage for basic procedures, 50% coverage for major procedures |
Guardian Dental |
$30.00 |
80% coverage for basic procedures, 50% coverage for major procedures |
Humana Dental |
$28.00 |
100% coverage for preventive care, 50% coverage for major procedures |
Cigna Dental |
$32.00 |
80% coverage for basic procedures, 50% coverage for major procedures |
Delta Dental
Delta Dental is one of the most popular dental insurance providers in the United States. They offer a variety of plans to choose from, including PPO and DHMO plans. PPO plans allow you to choose your own dentist, while DHMO plans require you to choose a dentist from a network.
Delta Dental’s plans are affordable and offer good coverage for basic and major procedures. They also have a large network of dentists in Pennsylvania, so it’s easy to find a provider in your area.
Guardian Dental
Guardian Dental is another popular dental insurance provider. They offer PPO and DHMO plans, as well as a fee-for-service plan that allows you to choose any dentist you like.
Guardian Dental’s plans are affordable and offer good coverage for basic and major procedures. They also have a large network of dentists in Pennsylvania, so it’s easy to find a provider in your area.
Humana Dental
Humana Dental is a well-known health insurance provider that also offers dental insurance. They offer PPO and DHMO plans, as well as a discount plan that offers reduced rates for dental services.
Humana Dental’s plans are affordable and offer good coverage for preventive care. Their coverage for major procedures is a bit lower than some other providers, but they still offer good value for the price.
Cigna Dental
Cigna Dental is another popular dental insurance provider. They offer PPO and DHMO plans, as well as a discount plan that offers reduced rates for dental services.
Cigna Dental’s plans are affordable and offer good coverage for basic and major procedures. They also have a large network of dentists in Pennsylvania, so it’s easy to find a provider in your area.
FAQ
What is the best dental insurance in PA?
The best dental insurance in PA depends on your individual needs and budget. Delta Dental, Guardian Dental, Humana Dental, and Cigna Dental are all good options to consider.
What does dental insurance cover?
Dental insurance typically covers routine cleanings, fillings, extractions, and other basic procedures. Some plans also cover major procedures like root canals, crowns, and bridges.
How much does dental insurance cost in PA?
The cost of dental insurance in PA can vary widely depending on your plan and your location. Plans can range from $20 per month to $50 per month, or more.
Do I need dental insurance?
While dental insurance is not required by law, it can help you save money on dental care and ensure that you have access to preventive and restorative treatments that can help you maintain good oral health.
What is the difference between a PPO and a DHMO plan?
PPO plans allow you to choose your own dentist and typically offer more flexible coverage. DHMO plans require you to choose a dentist from a network and typically offer more limited coverage.
Overall, choosing the right dental insurance plan can help you save money on dental care and ensure that you have access to the treatments you need to maintain good oral health. Be sure to compare prices, coverage, and network options before choosing a plan that’s right for you.
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