Dental care can be expensive, and even routine check-ups can quickly add up. That’s why many people opt for private dental insurance. Private dental insurance offers a range of benefits, including coverage for routine check-ups, fillings, and orthodontic treatment. But with so many options available, how do you know which plan is right for you? In this article, we’ll explore some of the best private dental insurance options available.
Aetna
Aetna is a popular provider of private dental insurance. They offer a variety of plans, including ones that cover routine check-ups and more extensive treatments like root canals and crowns. Aetna also offers orthodontic coverage, which can be a crucial benefit for those who need braces.
One of the most significant benefits of choosing Aetna for your private dental insurance is their large network of dentists. With over 270,000 participating dentists, you’re sure to find a provider that’s convenient for you. Plus, Aetna’s plans are customizable, so you can choose the coverage that best meets your needs and budget.
However, it’s essential to note that Aetna’s plans can be more expensive than some other options. If cost is a significant factor for you, it may be worth exploring other options.
Table 1: Aetna Dental Plan Comparison
Plan Name |
Monthly Premium |
Coverage Details |
|---|---|---|
Aetna Dental Maintenance Organization (DMO) |
$10 – $30 |
Covers routine check-ups and cleanings, with no deductibles or annual maximums. Participants must use a dentist within the network. |
Aetna Dental PPO |
$35 – $70 |
Covers routine check-ups, fillings, and more extensive treatments like root canals and crowns. Participants have the flexibility to use in-network or out-of-network providers. |
Aetna Dental Premier |
$65 – $130 |
Covers routine check-ups, fillings, and more extensive treatments like root canals and crowns. Participants have the flexibility to use in-network or out-of-network providers. |
Humana
Humana is another popular provider of private dental insurance. They offer a range of plans, including options for individuals, families, and seniors. One of the most significant benefits of choosing Humana is their broad network of dentists. With over 260,000 participating dentists, you’re sure to find a provider that’s convenient for you.
Humana’s plans are also customizable, so you can choose the coverage that best meets your needs and budget. They offer options for routine check-ups, as well as more extensive treatments like crowns and bridges. Plus, Humana offers orthodontic coverage, which can be a crucial benefit for those who need braces.
However, some Humana plans may require a waiting period before coverage kicks in. It’s essential to read the fine print carefully before signing up for any plan.
Table 2: Humana Dental Plan Comparison
Plan Name |
Monthly Premium |
Coverage Details |
|---|---|---|
Preventative Plus |
$19 – $24 |
Covers routine check-ups and cleanings, with no deductibles or annual maximums. Participants must use a dentist within the network. |
Dental Loyalty Plus |
$35 – $44 |
Covers routine check-ups, fillings, and more extensive treatments like root canals and crowns. Participants have the flexibility to use in-network or out-of-network providers. |
Complete Dental |
$35 – $44 |
Covers routine check-ups, fillings, and more extensive treatments like root canals and crowns. Participants have the flexibility to use in-network or out-of-network providers. |
Cigna
Cigna is a well-known provider of health insurance, and they also offer private dental insurance. Their plans are customizable, so you can choose the coverage that best meets your needs and budget. They offer options for routine check-ups, as well as more extensive treatments like crowns and bridges. Cigna also offers orthodontic coverage.
Cigna’s network of dentists is not as extensive as some other providers, with around 93,000 participating dentists. However, they do offer access to specialists like periodontists and endodontists.
It’s important to note that Cigna’s plans may be more expensive than some other options, especially if you’re looking for comprehensive coverage. If cost is a significant factor for you, it may be worth exploring other options.
Table 3: Cigna Dental Plan Comparison
Plan Name |
Monthly Premium |
Coverage Details |
|---|---|---|
Cigna Dental Preventive |
$19 – $29 |
Covers routine check-ups and cleanings, with no deductibles or annual maximums. Participants must use a dentist within the network. |
Cigna Dental 1000 |
$30 – $45 |
Covers routine check-ups, fillings, and more extensive treatments like root canals and crowns. Participants have the flexibility to use in-network or out-of-network providers. |
Cigna Dental 1500 |
$35 – $60 |
Covers routine check-ups, fillings, and more extensive treatments like root canals and crowns. Participants have the flexibility to use in-network or out-of-network providers. |
Frequently Asked Questions
What is private dental insurance?
Private dental insurance is a type of insurance that provides coverage for dental care. Unlike public dental insurance programs like Medicaid, private dental insurance is typically purchased by individuals or provided by employers as part of a benefits package.
What does private dental insurance cover?
Private dental insurance can cover a range of dental services, including routine check-ups, cleanings, fillings, and more extensive treatments like root canals and crowns. Some plans may also offer coverage for orthodontic treatment like braces.
How much does private dental insurance cost?
The cost of private dental insurance varies depending on the provider, the plan, and the level of coverage. Generally, more comprehensive plans will be more expensive. However, many providers offer customizable plans, so you can choose the coverage that best meets your needs and budget.
Do I need private dental insurance?
Whether or not you need private dental insurance depends on your individual situation. If you’re someone who needs frequent dental care, or if you have a family with children who need orthodontic treatment, private dental insurance may be a worthwhile investment. However, if you only need occasional check-ups and treatments, it may be more cost-effective to pay out of pocket.
Are there any exclusions or waiting periods with private dental insurance?
Some private dental insurance plans may have exclusions or waiting periods for certain treatments or services. For example, some plans may not cover pre-existing conditions, or there may be a waiting period before coverage kicks in. It’s important to read the fine print carefully and understand what is and isn’t covered before signing up for any plan.
Can I use private dental insurance with any dentist?
It depends on the plan. Some private dental insurance plans require participants to use dentists within the provider’s network, while others offer the flexibility to see in-network or out-of-network providers. It’s important to understand the plan’s requirements before signing up.
Private dental insurance can be a valuable investment for those who need frequent dental care or orthodontic treatment. By exploring the options available and choosing a plan that meets your needs and budget, you can ensure that you get the care you need without breaking the bank.