Best Dental Insurance: The best dental insurance plan, is one that lowers dental care cost or one that comes at a reasonable rate, either through the option of private dental treatment or through getting insured against the cost of dental emergencies or accidents.
Some of The Best Dental Insurance Providers
Cigna Dental Insurance
The Cigna dental plan offers a global coverage that gives you dental care even while you are away from home. This dental care company has a network of more than 90,000 dentists, and has an “A” (Excellent) rating from A.M. Best.
Cigna Dental 1500 – This category is for $0 for in-network preventive services, up to $1,500 covered per year (after deductible and coinsurance) for restorative services. Then $50 deductible for individuals and $150 deductible for families, up to $1,000 covered for orthodontia.
Cigna Dental 1000 – The 1000 insurance plan is for $0 in-network preventive services, up to $1,500 covered per year (after deductible and coinsurance) for restorative services. Then $50 deductible for individuals and $150 deductible for families. Offers no coverage for orthodontia.
Cigna Dental Preventive – This goes for $0 for in-network preventive services with no coverage for restorative services. No deductibles for individuals or for families and no coverage for orthodontia.
Delta Dental Insurance
If you are looking for insurance that is best for families on a budget, then you should be talking about Delta Dental Insurance. This dental insurance company is the largest provider of dental benefits in the United States and has a network of over 150,000 participating dentists as well as over 330,000 locations. It offers individual and group plans and plans via the Health Care Exchange (Marketplace).
Categories of Delta Dental Insurance Plans
DeltaCare USA – This dental plan has benefits like, no deductible or annual dollar maximums, no copayments or low copayments for most diagnostic and preventive services, coverage for more than 250 procedures, including additional cleanings, bleaching, as well as tooth whitening, and no exclusions for pre-existing conditions or missing teeth. Those who enroll are to choose a primary care dentist from the preferred provider network.
Delta Dental PPO – This is Delta’s preferred-provider option program, where those who enroll are given access to a network of dentists who accept reduced fees for covered services. The covered services are paid depending on a percentage of the dentist’s fee.
Ameritas Dental Insurance
Ameritas dental insurance is one good insurance for rewards programs. They are adjudged in the insurance industry as a top provider of dental insurance. Ameritas, has an “A” (Excellent) rating from A.M. Best also with an “A+” (Strong) rating with Standard & Poor’s.
They offer a “Dental Rewards” plan, where those who enroll can increase their annual maximum benefit to help pay for more expensive procedures in the future by visiting a dental provider each year and submitting a claim. Those who enroll, must stay or at below the dental plan’s annual benefit limit of $500 for total claims paid during the year.
As time goes on, those who have enrolled can earn up to the maximum reward accumulation of $2,000, and can earn a $100 dental network bonus for each year he or she visits an Ameritas network provider for dental care.
Standard features that comes with Ameritas Dental plans
All plans come with the “Dental Rewards” program.
Those who have enrolled with Ameritas, can visit any dentists who are out of network.
Enrolling helps you save on prescriptions at over 60,000 participating network pharmacies.
Ameritas preventive services are 100% covered with new network providers. Network providers charge 25% – 50% less than their regular rates.
Now that you know some of the Best Dental Insurance, it is easier than ever before to take care of your gnashes.