Dental Insurance companies are companies that provide coverage for dental issues while reducing the cost incurred for expensive procedures like fillings and crowns.
Before selecting a dental insurance company, it is very important to research the various dental insurance companies that offer great quality coverage with value for your money.
While most health insurance companies offer a combination of overall health insurance and dental insurance plans, some provide both separately.
The best cheap dental insurance companies will grant you access to a wide network of dental providers, with low premiums, exclusives, and good annual benefits maximum.
Before selecting a dental insurance company, make sure you research and compare prices or policies across different dental insurance companies to select the best for you.
However, we have made this search easier for you by providing a list of the best cheap dental insurance companies with great plans and a network of dental providers you can choose from.
Table of contents
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What Is Dental Insurance?
Dental insurance is insurance coverage for dental care. It is a cost that covers the routine visits to the dentist along with problems with the teeth and gum.
Dental insurance includes an oral examination, X-rays, and preventive dental care. Some procedures like cosmetic procedures such as whitening are not covered.
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Importance of Dental Insurance?
Dental insurance offers a lot of benefits, for one medical insurance doesn’t cover some dental insurance. Dental problems can develop at any time and if you don’t have dental insurance it becomes expensive.
Dental insurance helps you get a good plan that can save your money and also guarantee a healthy mouth. Some benefits of dental insurance include,
- Preventive measures ensures early detection of dental issues
- It saves you from taking financial risk
- It is better to treat dental issues early to avoid its effect on your overall health
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Where Can I Buy Dental Insurance?
Lots of insurance companies offer dental insurance coverage through employers or directly to the individual.
Some insurance companies offer only health insurance while others offer dental insurance, the best choice is to select a company that offers both.
10 Best Cheap Dental Insurance Companies In 2023
There are lots of dental insurance companies out there but the priority is finding the best cheap dental insurance plan that offers you the best services without exclusives that prevents you from enjoying the value of your plan.
The best cheap dental insurance plan allows you get access to a wide range of dentists, low premiums, flexible pricing plans, etc.
Before choosing a dental insurance company ensure you check out and review the dental policies of each of them to know what is covered and is not covered.
Below are some of the best cheap dental insurance companies you can choose from;
- Cigna
- Aflac
- Renaissance Dental
- Spirit Dental
- Delta Dentals
- 1Dental
- Ameritas
- Humana Dental Insurance
- UnitedHealthOne Dental Insurance
- Physicians Mutual
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1. Cigna – Policy Type 3
Cigna is a renowned health service company that provides one of the best cheap dental insurance plans with recommendable marks for financial strength and they’ve gotten an A rating from AM Best and Standard & Poor. They have over 93,000 dentists nationwide and also provide phone services to their customers 24/7 daily.
Cigna’s dental insurance plan for individuals doesn’t have deductibles for preventive care with their in-network dentists.
The dental insurance company’s Preferred Provider Organization (DPPO) plans are opened to clients of every age, and the pricing is provided every month per person.
Customers also get to select a level of care based on their needs, some plans provide orthodontic care and restorative care at a higher rate. Cigna dental insurance is available in 50 states
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While the cost of Cigna dental insurance depends on where you reside, some of their pricing plans include;
1st Plan
Cigna dental – $1500
- Monthly rate per person – $starting at 35
- Preventive care covered – yes
- Restorative care covered – up to $1500 annually
- Orthodontic care covered – up to $1000 annually
- Deductible – $50 for individuals and $150 for families
• 2nd Plan
Cigna dental – $1000
- Monthly rate per person – $30
- Preventive care covered – yes
- Restorative care covered – up to $1000 annually
- Orthodontic care covered – no
- Deductible – $50 for individuals and $150 for families
3rd Plan
Cigna dental – preventative
- Monthly rate per person – $19
- Preventive care – yes
- Restorative care covered – no
- Orthodontic care covered – no
- Deductibles – none
2. Aflac – Policy type 3
Aflac is a Fortune 500 company providing insurance coverage since 1955 to more than 50 million people globally. They offer three supplemental dental insurance plans with no delay.
The insurance plans offered by Aflac include restorative, preventative, and orthodontic covering as well as dental implants.
You can easily access their insurance plan through online quotes, applications, and purchasing orders. The insurance company has received an A+ from BBB rating. The insurance company also has network dental providers through its subsidiary Argus dental.
Aflac benefits include routine checkups and cleanings, X-rays, crowns, and a lot more. Aflac’s supplemental dental plan starts at;
- Basic – $285
- Standard – $400
- Premier – $450
Some benefits of using Aflac dental services include,
- Deductibles that reduce over time.
- 1st year – $50 per person (3 per family)
- 2nd year – $25 per person (3 per family)
- 3rd year – no deductibles
- Dental implants and accidental injury
- No waiting period for any services
- Basic services like crowns, fillings, emergency palliative care, simple and surgical extractions
- Major services include oral surgery, implants, endodontics, inlays, onlays, bridges, and dentures
- Preventive and diagnostic services such as routine exams and cleanings (twice annually), bitewing X-rays (one annually), space maintainer, and lots more
3. Renaissance Dentals – Policy type 4
Renaissance Dental has a network of 300,000 dental offices nationally and in-network dentists. The dental insurance service provider is a part of Renaissance Health which was established in 1957.
It covers over 13 million people with yearly paid claims of $3 billion. The company has top-notch customer service.
Renaissance provides different dental insurance plans for both individuals and families offering various levels of plans and inclusions to satisfy its customers. The company also has A++ ratings from AM Best. You can easily access its free quotes online no matter where you reside making it easy to compare plans.
Some Renaissance dental insurance does not cover preventive care at 100% while some waiting periods apply to major services. They provide the best flexible plan to fit any individual or group. The dental insurance company’s plan is:
Personal Benefits
- Individual annual deductible ( waived for preventive services)
- In-network – $50/person
- Out of network – $50/person
Family Benefits
- Family annual deductible (waived for preventive services)
- In-network – $150/family
- Out of network- $150/family
- Annual benefits maximum – $1000/ person
4. Spirit Dental – Policy type 16
Spirit dental is also one of the best cheap dental insurance companies that have been providing insurance coverage for over 20 years. It offers dental insurance coverage to 50 states nationwide.
There are no waiting periods and you pay a $100 deductible once and not annually compared with other dental insurance companies that collect theirs annually.
The dental insurance services are provided through Ameritas Life Insurance Corp., And it has gotten an A rating from AM Best for financial strength and A++ from Standard &Poor. The company’s affiliation with Ameritas means it works with a huge network of dentists globally. Customers can select from 111,500 dentists at 428,000 access points nationwide.
Spirit provides different dental insurance plans for individuals including three cleanings annually, preventive coverage, children orthodontics, as well as offering up to $5,000 annual maximum benefits if you’ve been a customer for three years. Spirit also offers a choice plan that allows clients to select any dentist. The pricing depends on where you’re located. Here’s a summary of Spirit’s plan:
Plan 2 – Network 3500
- Preventive care covered- 100%
- Basic care covered- 65%, 80%, and 90% in years 1, 2, and 3
- Major care covered- 10%, 50%, and 65% in years 1, 2, and 3.
- Coverage for orthodontics
- Annual maximum benefits – $3500
Plan 3 – Choice 1200
- Preventive care covered – 100%
- Basic care covered – 50%, 65%, and 80% in years 1, 2, and 3
- Major care covered – 25%, 50%, and 50% in years 1, 2, and 3.
- Orthodontic care for children from 18 and below at 10%, 25%, and 50% in years 1, 2, and 3
- Annual maximum benefits – $1200
Plan 4 – Choice 1200, 2500, and 5000
- Preventive care covered – 100%
- Basic care covered – 50%, 60%, and 80% in years 1, 2, and 3
- Major care covered – 25%, 30%, and 50% in years 1, 2, and 3
- Annual maximum benefits – $1200 year 1, 2500 year 2, and $5000 in year 3
5. Delta Dental – Policy type 5
Delta Dental is one of the largest dental insurance providers in the USA that has been in the industry for over 20 years. It offers one of the best cheap dental insurance plans in 50 states nationwide. Delta has over 152,000 dentists in its network. The insurance company has an A rating from AM Best.
Delta’s pricing and plan vary between states. It provides different dental insurance coverage including orthodontics at 50% for both adults and kids.
It also has 50% deductibles and an annual maximum benefit of $1500. Delta’s coverage limit is from $1000 to unlimited. It offers over 600 plans from more than 270 dental insurance carriers.
Dental insurance plans start as low as $8.95/month. Delta’s dental insurance plan covers routine check-ups and examinations, fillings, cleanings, X-rays, and so much more. Delta Dental is a trusted partner of eHealth Medicare.
6. 1Dental
1Dental is not like the usual dental insurance companies. It was established in 1998. The dental insurance company sees its plan as “Not Insurance” but instead what an insurance “should look like”. 1Dental provides two different dental insurance plans with no waiting period.
Basically, the company has gotten BBB rating of A+ and won many national and regional awards. IDental has 131,000 dentists in 48 states and Washington DC. The company’s dental insurance plans include unlimited use, no deductibles, no waiting periods, and other benefits. The plans are restorative coverage, preventive coverage, and orthodontic care as well as dental implants.
1Dental monthly premium plan starts at $8.95. It has individual, family, senior, and emergency plans. its individual plan cost $99/year, making them one of the best cheap dental insurance service provider.
7. Ameritas
Ameritas was established by five local businessmen in 1887 formerly known as The Old Line Bankers Insurance Company of Nebraska. The insurance company covers different insurance policies including dental insurance services which started in 1959.
Ameritas plan includes basic procedures, major procedures, preventive care, and orthodontia for kids. Other plans like whitening, X-rays, cleanings, etc., are available. You can get the company’s quote online, customers are also allowed to choose their dentist. Using an in-network provider reduces out-of-pocket costs.
8. Humana Dental Insurance – Policy type 6
Humana Dental is also a great cheap dental insurance company that offers Preferred Provider Organization (PPO) and Dental Health Maintenance Organization (DHMO) at different prices that are affordable for customers with unique dental care needs.
Humana is available in 50 states with over 270,000 dentists that customers can choose from. The company has an A rating from AM Best showing its financial strength. However, the plans, pricing, and specifics for each policy depending on where you reside. It offers 100% coverage for preventive care.
Some of Humana’s dental insurance policies offer a lifetime deductible which is usually $50 for individuals and $150 for families. Other plans charge a yearly deductible.
Annual maximum benefits for this plan can vary from $1,000 to unlimited depending on the policy you select. Waiting periods also apply from 6 months for basic care to 12 months for major services. Check out some of Humana’s dental insurance plans below:
Plan 1
Dental Preventive Value PPO
- Preventive care covered – 100%
- Basic care at 50%
- No major insurance coverage
- Deductible include $50 for individuals and $150 for families
- Annual maximum benefits – unlimited
Plan 2
Dental Loyalty Plus PPO
- Preventive care covered – 100%
- Basic care at 40%, 55%, and 70% in years 1, 2, and 3
- Major services at 20%, 30%, and 50% in years 1, 2, and 3
- Deductibles – $150 for individuals and $450 for families
- Annual maximum benefits – $1,000/person in year 1, $1,250 in year 2, and $1,500 in year 3.
Plan 3
Complete Dental PPO
- Preventive care covered – Yes
- Basic care at 80%
- Major care at 50%
- Deductibles – $50 for individuals and $150 for families
- Annual maximum benefits – $1,250 per individual in year 1 and $1,500 in year 2
9. UnitedHealthOne – Policy type 10
UnitedHealthOne is one of the best cheap dental insurance companies, especially for families, due to its combination of preventive care and orthodontia policies that reduce cost.
The company is a part of the UnitedHealth Group and its policies are established based on the Golden Rule Insurance Company which is a subsidiary of the group. It also has an A rating from AM Best for financial strength.
The dental insurance plans vary depending on where you reside. Free quotes can easily be accessed online. The company offers plans with no age limit and preventive care policies with no deductibles and waiting periods.
However, some plans have waiting periods of 4 months or more for basic care and major care. Here’s a summary of UnitedHealthOne dental insurance coverage:
Plan 1
Essential Dental
- Preventive care covered – 80% in year 1, 90 in year 2, and 100% in year 3
- Basic care at 50%, 65%, and 80%
- No major care coverage
- Deductibles – $50/person
- Annual maximum benefits – $1,000/person
Plan 2
Premier Choice Dental
- Preventive care covered – 100%
- Basic care at 50% year 1, 65% in year 2, and 80% in year 3.
- Major services covered 10% in year 1, 40% in year 2, and 50% in year 3.
- Deductibles – $50/person
- Annual maximum benefits – $1,500/person
Plan 3
Premier Max Dental
- Preventive care covered – 100%
- Basic service at 50% at 4 month waiting period, 65% in year 2, and 80% in year 3
- Major services at 50% after 12 month waiting period and 80% in year 3
- Deductibles – $50/person
- Annual maximum benefits – $3,000/ person
10. Physicians Mutual – Policy type 3
Physicians Mutual has been offering insurance plans, including dental insurance plans, since 1902.
It is one of the best cheap dental insurance companies for senior citizens. The insurance company is available in 50 states nationwide and also has an A rating from AM Best for its financial strength with a network of over 500,000 dentists.
The company’s policies include coverage for close to 370 procedures including dentures. Physicians Mutual has no deductibles and preventive care such as cleanings starts immediately.
It also has a waiting period of up to 3 months for basic care like fillings and 12 months waiting period for major services like root canals. The company has no annual benefit limits on your coverage.
Physicians Mutual provides three dental insurance plans which are:
- Economy Plus Plan from $30.10 monthly
- Standard Plus Plan from $37.80 monthly
- Preferred Plus Plan from $46.75 monthly
Whatever plans you select you’ll receive a benefit for basic care, major care, and preventive care at a set cost, however, Economy Plus Plan has a lower rate compared with the other two plans.
FAQs
Dental Insurance companies are insurance companies that provide insurance for your tooth and gum.
Yes, there are a lot of quality dental insurance companies offering policies at cheap rates.
Dental Insurance covers dental costs like routine check-ups and examinations, fillings, cleanings, X-rays, and a lot more
Yes, you’ll find health insurance companies that combine both plans.
Conclusion
Dental insurance is an important insurance coverage you need to get. There are plans for both individuals and groups. Pricing and insurance policies mostly depend on where you’re located.
This article covers all the important information you need to know about dental insurance companies to ease your search.
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