Top 5 Dental Insurance Companies and What They Cover
According to research conducted by ercare24, almost 75% of Americans do not have any form of dental insurance. While the fact might sound uncanny, such is the reality in not just America but also in several parts of the globe. Several individuals overlook dental insurance assuming they wouldn’t need it in the long run. However, this is far from the truth. Without the right dental coverage, you might end up having to pay much extra for emergency dental care, root canal, and tooth extraction among other treatments. Each of these treatments is pricey and with the right dental insurance, you get coverage for them and more. But with so many dental insurances out there, how do you even know which one is the best? Well, to simplify things for you, we have come up with a list of five leading dental companies along with their complete coverage details. So, if you are considering getting dental insurance to solve long-standing dental problems, here is everything that you should know about.
WHAT COMMON DENTAL ISSUES DOES DENTAL INSURANCE COVER?
While the package and overall coverage for dental insurance may vary depending on the company, the majority of them cover the following:
* Broken or damaged jaw- This is a serious issue that is typically caused by the swelling of lymph nodes. The treatment can be exhaustive and expensive unless you have it covered by a reputed dental agency.
* Damaged nerves- At times, your teeth nerves can be damaged and exposed due to multiple reasons ranging from infections to internal damage. Either way, when your teeth nerves are exposed, it is often sudden, and the charges of treatment are quite high. When you have dental insurance at hand, you wouldn’t need to worry about the problem because almost all insurances cover this issue.
* Gum Bleeding- This is yet another common dental issue that the majority of insurance companies cover. If you are experiencing gum bleeding it might either be because of the build-up of plaque in your mouth or extensive gum disease.
* Tooth abscission- When you have an abscessed tooth, you cannot use your mouth at all. Everything hurts and the pain is sharp and cutting. Luckily, the majority of leading insurance companies cover this issue, so you needn’t fret in the event of tooth abscission.
WHICH DENTAL INSURANCE TO PICK?
Now that you know about the common issues covered by leading dental insurance companies, you are probably wondering which ones to cut. Well, here’s the list:
GUARDIAN DIRECT
When it comes to dental insurance companies, Guardian Direct takes the top spot. The company comes with a solid dental plan that has some of the best features. First, they do not have any waiting period for preventive care and almost the maximum segment of their basic care (meaning tooth implants, etc.) also come with no waiting periods. Next, if you keep the insurance for at least six months, you get a chance at teeth whitening at half the price, meaning you need to bear only 50% of the total costs. Third, you also get excellent coverage on orthodontics and other types of implants at 50%. However, you need to wait a year to avail of that service. Finally, the company’s maximum payout is $1500 which is fairly cheaper given the services they cover.
UNITED HEALTHCARE
This is yet another dental insurance company we recommend primarily because of its short waiting periods. The USP of United Healthcare is that, unlike other companies that enforce a six-month waiting period, you only need to wait four months to avail of their basic dental package. The company also recently bagged second position in the JD Power program in the US in 2022. Overall, United Health Care is a decent company and they come with multiple price points to address your needs.
ANTHEM
Anthem is best known for its no-waiting period policy for your Preventive care dental treatments. More than 80% of the basic treatments like teeth extraction and fillings come with a cost-sharing policy that applies to both networks as well as non-network hospitals. Major Care, Implants, and all types of dentures come with 50% coverage in both partner and non-partner hospitals. The company also offers orthodontics with a lifetime deductible of $150 and they’ve got an excellent plan for kids where they get braces and other orthodontic coverage at a whopping 50% until 17. The only caveat of Anthem is that it doesn’t come cheap, and the insurance will cost you $2000.
DENTA QUEST
If you are looking for something cheap and affordable, Denta Quest might be one of the top options. The platform comes with multiple affordable options that apply to both basic and major care. The biggest highlight? Their top plans start under $10 and some cost $8.35 only. Next, the company offers excellent orthodontic coverage not just for kids but also adults. They also have a Find a Dentist Near You feature that is excellent when it comes to picking reliable dentists on short notice.
AMERTIAS
This is another leading company that is best known for its lack of waiting periods. Yes! You’ve read right! This company doesn’t have any waiting period for Preventive Care, Basic Care, Major Care, Implants, and Dentures. And that’s not all, you get 15% Orthodontic coverage in your first year and 50% coverage in the following year. The biggest takeaway? This company covers teeth whitening in their insurance, unlike many others. The annual payout for the insurance is only $1000 for the first year. However, as you move on to the second year, you will need to pay $2000 the second year, and the pricing structure will potentially increase.
BOTTOM LINE
Now that you know how dental insurance works and which ones are the top five dental insurance companies, think no further and choose the best ones from the lot. Each of these companies offers excellent coverage and they would ensure all your dental needs are met in one go. That means whether you experience an emergency dental problem or have a chronic one, these companies are the ones to head for.