Dental Insurance: Pros & Cons of Providers (Plus Alternatives!)

  • The future of dental insurance is becoming more unpredictable
  • Aetna faced scrutiny after dropping ACA from 11 states
  • Comprehensive dental coverage by Cigna is worldwide
  • Some Delta Dental plans may cover orthodontic treatments
  • Savings can change depending on which state you live in

IS DENTAL INSURANCE WORTH IT?

Congress is ready to destroy the Affordable Care Act (Obamacare), and the future of affordable dental insurance is becoming more unpredictable than ever before. Scores of people will be left uninsured and unable to treat their dental needs properly when this occurs.

Dental Plan

How will this benefit private insurance companies and how will it affect the citizens of the United States? Will the people find an alternative or will they neglect their oral care even more? Is dental insurance worth it? Who knows?

One thing is for sure, though, a lack of buccal hygiene will only lead to serious health issues and a bigger tab to pay when the problem becomes unignorable. It’s about time to start looking at your options and their pros and cons before time runs out.

Dental Insurance

Some of the most used dental insurance plans providers are Aetna, Cigna, Delta Dental, Guardian, and Humana. These are not necessarily the most affordable, but they’re providers that will benefit patient health the most in the long run.

We compare dental insurance providers below:


AETNA – 


Aetna recently faced scrutiny after dropping Obamacare from 11 of the 15 states in which they operated. This move left Obamacare recipients in those states desperate for alternatives. 
 
Despite the fact, Aetna is the third largest health insurance in the nation. If you live in Delaware, Iowa, Nebraska, or Virginia, here are some things to know about this provider.
 
PROS

  • Covers full cost of preventive exams
  • Covers full cost of X-rays

(Keep in mind this is only available through Aetna’s premium plan.)

CONS

  • Individual dental insurance coverage is available only in four states (Delaware, Iowa, Nebraska and Virginia)
  • Group plans are the only way of purchasing Aetna insurance outside the states mentioned above

Although Aetna provides a vast network and great online tools, its narrow coverage leaves countless people without the option of using this company. Obamacare is soon to end, so that might just change things a bit, for better or worse. 

CIGNA –

Cigna offers worldwide comprehensive dental coverage and covers full expenses of preventive oral care procedures. Cigna also pays for a significant portion of orthodontist treatments.

Cleanings, X-rays, regular exams, fluoride applications, sealant and non-orthodontic space maintainers, are covered in full by the preventive plan that Cigna offers. The other two plans offered by Cigna cover a percentage of major dental work including fillings and root canals. 

PROS

  • Covers full price of X-rays, cleanings, and exams (2 per year)
  • Covers costs for out-of-network dentists

CONS

  • Not available in New York or Washington
  • One-year waiting period before being able to use its services (no waiting period dental insurance is sometimes available with other providers)

Cigna is by far one of the best options when it comes to dental insurance companies as long as you end up going to your regularly scheduled appointments. Their three dental insurance plans range in price depending on whether you want preventive coverage or orthodontic care. 

DELTA DENTAL –


Hands down, Delta Dental, is the most affordable insurance for individual plan seekers. The savings increase to nearly 45% with family plans.
 
As far as low-cost dental insurance goes, Delta Dental gives you the most for your buck. Does Delta Dental cover dentures? 

Delta Dental pays upon the completion of the treatment you will be receiving, whether it be dentures or root canal therapy.

PROS

  • Some policies cover 100% of X-rays
  • Available in almost every state

CONS

  • Varying waiting period before being able to use its services
  • Out-of-network dentists charge more for procedures

Some Delta Dental plans may cover orthodontic treatments, which especially helps when children need braces. The cutoff age for covering children is typically at 16 years old. 

GUARDIAN –

Guardian Insurance offers high-value dental plans for the premiums they have. Plans vary in price, but they have some of the best dental plans available today. 

Guardian suggests reviewing your state’s specifications to determine which plan is best for your family while fitting your budget. States have specific healthcare conditions for insurance providers to meet, making plans vary from one place to another.

PROS

  • Some plans cover 100% of X-rays, cleanings, and exams
  • Some plans include orthodontic treatments for children and teenagers up to 19 years old

CONS 

  • Not available in Arizona, California, Colorado, Florida, Illinois, Nevada, New York, Texas or Utah
  • Small amount of in-network dentists

Savings can change depending on which state you live in and the kind of plan you purchase. However, Guardian will save you more money than most other available dental insurance providers. 

HUMANA –

Humana is known for its loyalty plan above all else, benefitting veterans and senior citizens more than other insurance providers. This dental insurance offers rewards and additional benefits after three years.

Humana Dental offers an individual plan called Preventative Plus for Veterans, made especially for those who have served in the military. 

The premiums and dental coverage are identical to the general Preventative Plus plan but provide additional savings on prescriptions, chiropractic services, vision and hearing assistance, and emergency room visits.  

(Requires one-year commitment.)

PROS

  • One-time deductible, not yearly
  • Minimum coverage increases annually

CONS

  • Enrollment fee (Humana disregards one registration fee when getting a visual plan as well)
  • Partial reimbursement of sealants stops at 14 years old (younger than most insurance providers) 

Humana is also a great option because it does not require you to see your dentist before heading to a specialist. If you’re aware that you’re in need of a specialist, you won’t waste any additional time or cost on visiting your general-care dentist.

Dental Care
HOW MUCH IS DENTAL INSURANCE?
 
The cost of dental insurance varies depending on your state, age, and even if you smoke or not. The lowest premium averages at about $26 USD per month and the highest is $45 USD. 
 
Of course, the higher the premium, the less you have to pay when receiving regular care or more expensive treatments. In most cases, it is recommended to go for the higher premium and lower co-pay.
 
WHAT IS FULL COVERAGE DENTAL INSURANCE?
 
Full coverage dental insurance is not what it seems. It would be great to pay a high monthly premium, say $100 USD, and then receive everything you need for free. But of course, that is not the case.
 
What full coverage dental insurance means is best explained through the 100-80-50 guide. This type of insurance covers 100 percent of preventive care, like cleanings and regular checkups. 
 
It pays for 80 percent of the cost for fillings, root canals, and other essential treatments. Fifty percent coverage exists for the cost of crowns, bridges and other major procedures.
 
WHAT DENTAL INSURANCE COVERS IMPLANTS? 
 
Full coverage dental insurance will be your best bet to covering dental implants, but nothing is guaranteed. Most insurance companies see dental implants as a cosmetic procedure, therefore, failing to pay for the process.
 
In the case of dental implants placement, dental tourism would be the only remaining option. Since the Affordable Care Act is sure to disappear and its replacement is still up in the air, options are growing thin for those in need of dental implants.

ALTERNATIVE

Tijuana, Mexico is one of the best destinations for dental tourism, especially when it comes to implants. Trust Dental Care is proud to provide high-quality treatment at affordable pricing. 
 
Dr. Cirenia Aparicio Miranda is the only member of the American Academy of Cosmetic Dentistry in all of Latin America. She holds her staff to the highest of standards on par to any clinic in the United States.
 
While a single dental implant is $4000 USD in the States, the border town offers the same quality treatment for less than $1500 USD. Prices vary from case to case, and it’s important not to focus entirely on the price as that could lead to inadequate care, but Trust Dental Care will gladly quote you for free.
 
Give us a call or email us now to see if dental implants are right for you. Trust Dental Care accepts most PPO insurances, so you pay even less than patients without it. 
 
In the end, it’s important to say that dental insurance is a necessary evil because it’s better to be safe than sorry. However, it is only worth it if you take full advantage of its benefits –  every single one of them. 
 
When it comes to dental implants and other cosmetic procedures, though, especially with Obamacare soon to dissipate, Tijuana is the only remaining option. More and more people are resorting to dental tourism, and are saving thousands of dollars in the process.
 

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