"Health Care Exchange (Marketplace) for Individuals." BusinessWire. Interestingly, Physicians Mutual policies come with no annual or lifetime benefit limits on your coverage, and you can choose your dentist from their network of 470,000 providers. Humana offers PPO, DHMO​, discount, and value plans at varying price points that can make sense for consumers with unique dental care needs. "Humana Dental Loyalty Plus Plan." "Financial Strength and Credit Ratings." "Individual and Family Dental Insurance." 200+ Hours of research. Currently, you can choose from 111,500 dental providers at 428,000 access points nationwide. Spirit Dental offers dental insurance plans with no waiting periods and annual maximum benefit amounts that increase after you’ve had your plan for a few years. Delta Dental. 6. For the most part, the majority of dental insurance plans cover preventive care like cleanings and X-rays at 100%, although waiting periods may apply. "Humana Dental Preventive Plus Plan." Ameritas. What is dental insurance? Broken down, dental insurance is essentially a policy that covers your dental treatment. Research criteria. Renaissance Dental works with a network of 300,000 dental offices nationwide, and in-network dentists who use this insurance will file paperwork and claims on your behalf. These include: With each of these options, you’ll be reimbursed for preventive care, basic care, and major services at a set cost based on the plan you select. Make sure to read over your dental insurance policy to see what it includes and excludes. Accessed Jan. 24, 2020. You pay for the dental treatment then claim the money back from your insurers. The Best Dental Insurance in New Jersey is: Delta Dental: Best Overall in NJ. "About the Carrier." Like health insurance, you pay a monthly premium and need to meet a deductible before the insurance provider pays for your services. Accessed Jan. 24, 2020. "AM Best Affirms Credit Ratings of Cigna Corporation and Its Subsidiaries; Removes From Under Review With Developing Implications and Affirms Credit Ratings of Medco Containment Group Members." Accessed April 13, 2020. Some plans leave out major services like dental implants and orthodontic care altogether. Preventive care like cleanings and X-rays is covered at 100%, and all basic and major services including root canals, implants, and crowns are covered at 50%. A report from the American Dental Association says that, on average, adults ages 19 to 34 spend approximately $492 on dental work within a year, whereas those ages 35 to 49 spend $498. Most dental insurance companies offer plans for individuals, but obviously some are better than others. Also, note that maximum benefit amounts for this coverage can range from $1,000 to unlimited depending on the policy you choose. Delta Dental Insurance: Best Overall; Spirit Dental: Runner-Up, Best Overall; DentalPlans.com: Best Price Accessed Jan. 24, 2020. In a nutshell, dental insurance covers routine and emergency dental work, and some policies include worldwide cover. The ADA says that more than one out of three adults with dental insurance don’t use their plan, which could be part of the reason many aren’t getting enough value for the money they invest in dental insurance each month.. Here are some of the best options for dental insurance on the market. This company was founded in … We also reference original research from other reputable publishers where appropriate. Delta Dental also boasts an A rating from AM Best—a testament to the financial strength of the company.. If so, you can find a plan individually, or your employer may pay for all or part of its employees' dental coverage as part of its benefits package. What's worse, many dental insurance plans consider implants cosmetic and won't cover the procedure. By using The Balance, you accept our. Humana. Accessed Jan. 24, 2020. Accessed Jan. 24, 2020. Network providers charge 25% to 50% less than their regular rates. Top Picks . Humana. The Balance requires writers to use primary sources to support their work. Dental insurance doesn’t normally cover cosmetic procedures like teeth whitening, and you may also struggle to find coverage for pre-existing conditions such as missing teeth. Proper dental care can be expensive, and this is especially true if you need work beyond basic cleanings and preventive care. These include white papers, government data, original reporting, and interviews with industry experts. "Humana Complete Dental Plan." Still, it’s important to shop around to find dental insurance plans that include the amounts of coverage you need without low annual caps or exclusions that can prevent you from getting any value. Delta Dental. Physicians Mutual offers three basic dental insurance plans. UnitedHealthOne. The company currently has an A- rating from AM Best, which means they are fairly solid in terms of financial strength. "An Analysis of Dental Spending Among Adults with Private Dental Benefits." Humana. You can learn more about the standards we follow in producing accurate, unbiased content in our, Runner-Up, Best Overall: Renaissance Dental, Best for No Waiting Periods: Spirit Dental, Best for Families: UnitedHealthOne Dental Insurance. Cigna. Dental coverage through UnitedHealthOne is available in both individual and employer plans., Golden Rule Insurance Company, which underwrites many of UnitedHealthOne's individual insurance products, is rated "A (Excellent)" from A.M. Best, and its rating indicates the financial strength and stability of UnitedHealthOne's products.. The following is an overview of two Delta Dental insurance plans: As one of the largest dental insurers in the United States, Humana offers dental insurance plans for individuals and groups. According to the company's website, enrollees may save 20% to 60% depending on their plan, when they get dental services from a dentist in a dental network. Humana also offers a $35 discount to enrollees who combine dental and vision coverage.. We chose these dental insurance providers based on the types of plans they offer and their financial strength ratings, costs, benefits, and discounts offered. Accessed Jan. 24, 2020. "Dental Dental PPO Plan Highlights." We also looked for dental insurance companies with strong ratings in terms of their financial strength, mostly by comparing ratings from Standard & Poor’s and AM Best. Nationwide: Best for Flexibility. Mutual of Omaha: Best for Transparency. Spirit offers two dental insurance plans for individuals, both of which include no waiting periods, preventive coverage, three cleanings per year, and even orthodontics for kids, with up to a $5,000 annual maximum benefit after you’ve been a customer for three years. Last Updated: November 20, 2020. Deductibles may be as low as $50, but the amount of services covered per year may have a cap, such as $1,000 or $1,500. While many of the plans on our list come with waiting periods, we tried to select providers that don’t list cumbersome waiting periods that make using coverage difficult.