- 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.
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.
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 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.
- Covers full cost of preventive exams
- Covers full cost of X-rays
(Keep in mind this is only available through Aetna’s premium plan.)
- 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 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.
- Covers full price of X-rays, cleanings, and exams (2 per year)
- Covers costs for out-of-network dentists
- 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.
- Some policies cover 100% of X-rays
- Available in almost every state
- 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 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.
- Some plans cover 100% of X-rays, cleanings, and exams
- Some plans include orthodontic treatments for children and teenagers up to 19 years old
- 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 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.)
- One-time deductible, not yearly
- Minimum coverage increases annually
- 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.