Many people think that dental insurance is very expensive, which is one of the reasons over 100 million Americans don’t have dental insurance. If you’re one of these people, we have great news – most dental plans are actually very affordable – you can easily find a solid dental insurance plan that costs less than $20 per month.
Why is dental insurance so cheap?
One of the main reasons why dental insurance costs so much less than medical insurance is that it’s not meant to cover all of your dental costs. Most plans have an annual coverage limit of $1000-1500, which means that you will have to pay for everything above that out of pocket. But the good news is that if you visit your dentist regularly and take care of all the problems such as cavities as soon as they arise, you won’t need to get crowns or root canals, which means that you can probably stay within budget.
Best affordable dental insurance
Delta Dental – the best affordable dental insurance plan in the US
If you’re looking for a cheap, yet solid dental insurance plan from a major provider – check out Delta Dental. This insurance company has a huge network of providers, which means that you should have no problem locating an in-network dentist no matter where you are. Plus, the company is well-known for its reliability and financial strength, which means that you don’t need to worry about them going out of business or refusing to pay your claims. The main upside of this instance provider is the price – most people only have to pay $10-20 a month for an HMO plan. In exchange, you get dental service with no deductible, maximum and no waiting periods for any dental procedures. On the downside, this plan requires you to choose a primary care dentist, going to a different dentist will incur additional fees. Plus, Delta Dental insurance plans have small copays for office visits and cleaning. At the same time, this insurance covers only a portion of expensive dental procedures such as root canals or crowns.
Dental savings plans – a low-cost alternative to dental insurance
If your main reason for getting dental insurance is saving money, consider getting a dental saving plan instead. They have their own pros and cons when compared to traditional insurance plans. For instance, a dental savings plan might not cover some procedures or may only cover the cheapest materials, such as silver fillings instead of resin fillings, but at the same time, they don’t have plan maximums, deductibles or tons of paperwork you have to fill out.
One of the most popular dental savings plans is Cigna Dental Savings, which costs $96 annually per person or $144 per family. Dental savings plans don’t work like regular dental insurance – instead, you simply get a discount on the out-of-pocket rate for services at a dental office that participates in the program. Cigna Dental Savings states that you can expect to save an average of 37% on dental services.
Another great dental savings plan is called Humana. This plan costs less than $10 a month in most states with a one-time enrollment fee of about $15. In many cases, the membership cost at Humana is higher if you compare it with Cigna but the amount of savings you get on services is often greater. Either way, it’s best to visit both websites and get quotes for your specific ZIP code before you make a choice.