5 dental plans to consider investing in
Dental healthcare can be an expensive affair, but is essential to be invested in. Preventive measures like regular cleaning and check-ups may not be heavy on the pocket, but fillings, bridges, and crowns could take a big hit at your bank account. A dental insurance plan can be beneficial for people of all ages, but is particularly essential for people aged 50 and above. Take a look at these top five dental plans to make a more informed purchasing decision.
Cigna
This global health service boasts a network of over 93,000 dentists. With Cigna’s dental plans, you won’t have to worry about copays and deductibles when it comes to availing preventive care from dentists within the company’s network. Cigna also offers plans for consumers of all ages. The Cigna Dental Preventive plan starts at $19 per person, per month. The Cigna Dental 1000 and Cigna Dental 1500 are two other plans that come with an additional set of features. This dental insurance company has earned itself substantial recognition for its A rating from both AM Best and Standard & Poor’s.
UnitedHealthOne
UnitedHealthOne offers numerous plans for individuals and families alike. If you want an insurance plan that provides coverage for your family as well, then grab the opportunity to sign up with UnitedHealthOne. There is no age limit to be eligible for their insurance plans. With this company, you can skip long waiting periods and say goodbye to deductibles. Some plans cover 100 percent preventive care and others cover orthodontics. You can get a quote online without any medical underwriting. Essential, the lowest-tier plan of UnitedHealthOne, will cost you $20.11 per person, per month. Their highest-tier plan, Primary Preferred Plus, starts at $44.35 per month.
Renaissance
Renaissance has earned an A rating from AM Best; and that speaks volumes about the company’s financial strength, to begin with. This insurance company offers 100 percent preventive care and all their insurance plans are limited to $1,000. The company’s basic dental insurance plan starts at about $27. With a great network of dentists, Renaissance is also known for its excellent customer service.
Spirit Dental
The biggest highlight of this dental insurance company is that its plans have no waiting periods, unlike many other dental insurance companies. But that’s not all. This dental insurance company deducts only $100, which is a one-time cost, contrary to yearly deductibles that some insurance companies have. Spirit Dental is associated with the Ameritas Life Insurance Corp. With Spirit, you can avail services from 1,11,500 dental providers across 4,28,000 access points nationwide. All dental plans cover three cleanings and two exams per year. Additionally, the company offers plans that include orthodontics for kids, and an annual maximum benefit of up to $5,000. For more details on the plans and pricing, please visit their website.
Delta Dental
With a network of as many as 3,48,000 dentists, Delta Dental boasts an A rating from AM Best. Some Delta Dental plans include orthodontic care, and you will have to bear no out-of-pocket cost for preventive care as well. Cleanings and X-rays are 100 percent covered, and other services, such as root canals, implants, and crowns are partially covered (please check the company’s website for details on the same).
Please note that the pricing of dental plans by all insurance companies will vary depending on where you reside.
