What Is The Best Dental Insurance To Buy: Features And Price Range

Best dental insurance

If you have experienced the pain of a toothache before, then you must know why it is vital to seek help from a dentist. Treatment can be very expensive especially if you do not have dental procedures to cover all or part of the costs of the procedures. This implies that you should seek a discounted plan from the best dental insurance out there. However, there are many of them out there.

Upon reading this article, you will pin down one of the best dental insurance you can use for covering your dental procedures.

Comparison Table

Dental Care

Details

Website

1Dental

Include a trusted name and easily affordable payments

Spirit Dental And Vision

Include a preventive, basic, and major dental plans

:DentalPlans

Has no limits for the dental savings plans and typically have a 30-day refund policy

eHealth

Includes dental indemnity plans and clients have access to over 200 licensed agents

Careington Solutions Simplified

Include dental plans with savings of 20-60% on the dental procedures, including crowns, dentures, braces, and cleanings

Health Network

You can obtain a quote easily and even apply online

Dental Access $99

Include dental plans that provide for unlimited access to Aetna Dental Access Network discounts

Delta Dental

Include dental plans characterized by networks of over 145,000 dentists

Humana

Include dental plans that have no waiting period for the discounted services

MetLife

Include dental plans that provide insurance for both groups and individuals

Product FAQ

  1. What Is Dental Insurance?

It is a form of health insurance that is meant for paying the whole or a portion of the costs of dental care, including dental procedures.

2. What Does Dental Insurance Do?

It helps you save on the costs associated with paying for dental procedures based on the arrangement. You can save from 20% to 60% of the total costs you should pay for dental procedures.

 3. How Does Dental Insurance Work?

You must enroll with the dental insurance or discount provider. Based on the arrangement, you can pay a monthly or an annual costs. The plan will include where to go for the dental procedures to enjoy the insurance benefits. The plan contains all the provisions of the dental plan, including how to cost share among other aspects. Therefore, it is upon you to select the best dental insurance for your needs.

  4. Where Can You Buy

You can buy the plans online by just accessing the parent website for the dental insurance company.

How We Reviewed The Best Dental Insurance

We invested a lot of time in researching the most frequently used dental programs on the internet. We also consulted with local dental organizations and online based dental plans. The best dental insurance was reviewed based on the following parameters: features, pros & cons, price, and where to buy. We also considered the price range of each dental plan.

Overall Price Range Of This Product

The overall price range includes from as low as $10 to $200 annually or monthly depending on the arrangement and people involved.

What We Reviewed

The best dental insurance plans out there include:

  • 1Dental.com
  • Spirit Dental and Vision
  • DentalPlans
  • eHealth
  • Careington Solutions Simplified
  • Health Network
  • Dental Access $99
  • Delta Dental
  • Humana
  • MetLife

1Dental​​​​.com

1Dental

Features

Key Features of this product include a trusted name and easily affordable payments. It is a trusted plan since it has over 9 million members since 1979. Before joining, you can view dental fees online, and therefore, you can see treatment costs ahead of time. It is affordable since it starts at $99 annually. However, discounts vary in accordance with the service and provider.

Pros

  • Unlimited use
  • Rated A+ grade with the BBB
  • It is a discount based plan and not insurance
  • It includes pre-existing conditions in plan savings
  • It was voted #1 in ethics by Dallas Morning News
  • The plans start at $99 annually for a discounted rate on all dental procedures
  • Everyone will be accepted
  • Unlimited use
  • No waiting for major procedures

Cons

  • The plan does not meet creditable coverage requirements under 956 CMR 5.00 and M.G.L. c.111M
  • It is not qualified health plan under affordable care act
  • The plan does not pay providers directly

Where to Buy

The product can be bought on 1dental.com

Spirit Dental And Vision

Spirit Dental and Vision

Features

Key Features of this product include a preventive, basic, and major dental plans. It is carried out by Ameritas Life Insurance Corporation. It serves as a free online resource for the insurance quotes. The company also offers tools that aid consumers to search for an individual, low-cost group, and senior dental plans. The plan allows clients to visit dentists of their choice. It is a fee-for-service plan and policyholders are not limited to pre-approved dentists. Maximum coverage per year is $1.250

Pros

  • Guaranteed acceptance
  • Rated A by AM Best for financial strength
  • 30-day money back guaranteed
  • You can choose a dentist
  • A+ BBB accredited
  • Major services and implants covered
  • No waiting periods for major, basic, and preventive services

Cons

  • Products are not available in all states
  • Products subject to state regulations

Where to Buy

The product can be bought on spiritdental.com

:DentalPlans

DentalPlans

Features

Key Features of this product include a plan that allows you to connect to over 100,000 doctors nationally with 30+ dental savings plans to choose from. There are no limits for the dental savings plans and typically have a 30-day refund policy. There are also detailed dental savings reports for each procedure and a 10-60% off dental procedures. These include cleanings, dentures, X-rays, fillings, braces, and root canal. New users usually get 10% off any plan and a 2-month free use promo code: ADVOCATE.

Pros

  • Monthly premium of as lows as $10
  • You can save 10-60% at the dentist
  • No caps, limits or restrictions
  • It is risk-free
  • You can use as often as you wish
  • 30-day money-back guarantee

Cons

  • The waiting period varies

Where to Buy

The product can be bought on dentalplans.com

eHealth

eHealth

Features

Key Features of this product include dental plans that have highly competitive prices from most of the major providers such as Delta Dental. It includes dental indemnity plans and clients have access to over 200 licensed agents. It also incorporates 24/7 Live Chat Support. Clients have access to an online account management. It was found in 997 by eHealthInsurance Service but has a partnership with at least 180 insurance companies while also offering over 10,000 online products to over 5 billion people.

Pros

  • It is BBB accredited with an A+ rating
  • Includes all major procedures
  • They provide 24-hour approval, online application, comparison tool, client support, and plan selection advisor.

Cons

  • The HMO prepaid plan is very limited as you can only choose one facility or dentist
  • HMO plan does not cover out of network procedures

Where to Buy

The product can be bought on ehealthinsurance.com

Careington Solutions Simplified

Careington Solutions Simplified

Features

Key Features of this product include dental plans with savings of 20-60% on the dental procedures, including crowns, dentures, braces, and cleanings. There are no limits on use, and everyone is accepted. It also includes over 67,000 taking part dentists and a 25% off Promo Code: CJ25. It was found by the Careington International Corporation, a Texas-based company.

Pros

  • It has received a BBB rating of A+
  • Offers affordable programs to over 15 million members nationwide
  • You can save 20-60% on most routine dental procedures

Cons

  • Does not include a full-mouth X-ray
  • We found some negative reviews
  • The plan does not meet creditable coverage requirements under 956 CMR 5.00 and M.G.L. c.111M
  • It is not qualified health plan under affordable care act
  • The plan does not pay providers directly

Where to Buy

The product can be bought on careington.com

Health Network

Health Network

Features

Key Features of this product include dental plans that cost as little as $18 monthly, and you can enroll any time of the year. It provides access to millions of consumers who have gained access to the dental plans. It is advantageous as you can obtain a quote easily and even apply online. It is free to use. It was established in 2015 and has since then helped over 18 million people research their health insurance options.

Pros

  • No maximum age limit
  • Discounted services
  • It is affordable
  • Offers access to major medical plans regardless of whether
  • It is free to use

Cons

  • The rates and availability vary to a great extent with selected benefits, location, and household circumstances.

Where to Buy

The product can be bought on healthnetwork.com

Dental Access $99

Dental Access 99

Features

Key Features of this product include dental plans that provide for unlimited access to Aetna Dental Access Network discounts. This implies that you can get discounts from over 158,000 Aetna dental services network locations. You can use your membership many times, and there are no deductibles. The discounts are also included for eyewear and vision care, and there are no claim filings and paperwork.

Pros

  • You can save 15%–50% on exams, x-rays, cleanings, crowns, fillings and other routine dental work
  • You can save 15%–25% on all cosmetic dental procedures such as  teeth whitening
  • You can save 15%–50% on procedures from oral surgeons such as extractions, surgery, abscesses, and anesthesia
  • You can save 15%–35% on orthodontic visits and treatment
  • You can save 15%-50% on deep cleanings, evaluations and more
  • You can receive 15%–50% savings on root canals and crowns
  • Members take advantage of savings through the Aetna Dental Access network.

Cons

  • Participants pay providers directly
  • Actual discounts based on geographic location

Where to Buy

The product can be bought on dentalaccess99dollars.com

Delta Dental

Delta Dental

Features

Key Features of this product include dental plans characterized by networks of over 145,000 dentists and over 292,000 office locations. It serves over 60 million clients and process dental claims at a high accuracy rate of 99.7%. It is also available from the partner organization eHealthInsurance.com.

Pros

  • Premiums depend on the number of people in the family
  • No forms to fill since dentists submit claims to Delta Dental
  • Payments made directly and no further checks are required

Cons

  • It is slightly expensive compared to other plans

Where to Buy

The product can be bought on deltadental.com

Humana

Humana

Features

Key Features of this product include dental plans that have no waiting period for the discounted services. However, the details vary from one state to another, but you can easily obtain your quote online quite easily. It provides the plans in all 50 states and the District of Columbia and Puerto Rico. The plans are also available from its partner, eHealth Dental Insurance.

Pros

  • Low premiums of as low as $21 monthly
  • Plans are discounts and not insurance
  • Plans provide discounts of up to 45%

Cons

  • It encompasses $35 enrolment fee
  • Plans do not cover orthodontic procedures
  • Sealants are not covered for patients aged over 14.

Where to Buy

The product can be bought on humana.com

MetLife

MetLife

Features

Key Features of this product include dental plans that provide insurance for both groups and individuals. Metlife has its headquarters in New York and serves over 100 million clients. The major plan is PPO called Metlife 2-9 Dental and negotiates fees in their network of dentists. They cover over 400 procedures, and their maximum coverage annually is from $1,000 to $1,500.

Pros

  • There are different plans to choose from
  • They have a positive reputation and respect in the dental industry
  • They have a broad network of dentists
  • They have low deductibles

Cons

  • You have to visit dentists in their network to save on costs

Where to Buy

The product can be bought on metlife.com

The Verdict


The best dental insurance is 1Dental based on our analysis of the key features, price, advantage, and uniqueness. The product has many pros, including rated A+ grade with the BBB, discount based and not insurance and includes pre-existing conditions in plan savings. It was also voted #1 in ethics by Dallas Morning News and is cheaper as plans start at $99 annually for a discounted rate on all dental procedures. All people are accepted, and they can use the plan unlimitedly. Besides, there are waiting for major procedures. People can access 100,000+ Dental Access Points Nationwide.

Therefore, purchasing this plans offers you numerous benefits than any other best dental insurance among the 10 we reviewed. We hope that this best dental insurance article will be handy in selecting the best dental insurance plan for your needs.
www.1dental.com

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