Our top three choices offer an excellent selection of policies and discounts that can protect your savings without requiring you to pay excessive premiums. The companies service almost all markets in the U.S. Remember that you can probably go out of network to see the dentist you prefer, but you will pay more out of pocket for doing so. If you have a favorite dentist, call their office to ask what dental insurances consider them in-network.
In general the dental insurance companies at the top of our review list provide a range of plan options to numerous areas of the country. We also considered average yearly preventive care costs across numerous zip codes and compared that number to possible yearly premium costs. This helps predict whether the premium costs would, on average, be less than the cost of preventive care paid out of pocket. Keep in mind that co-pays and other small fees might also determine whether you will break even by paying for dental insurance, but our numbers can give you a general idea of what you can expect. It was not surprising to learn that those who charge a higher premium may cover more and those with a lower premium might cover less. This means that if you pay more monthly you might receive more complete coverage, and if you pay less per month you might be expected to pay a bit more during the time of treatment. So you'll need to decide whether you want to pay more per month or make up a bit of the difference when you visit your dentist.
You want to make sure that the plan that you get has great customer service so that if you have a problem you will be able to get the help that you need. Check their website to see whether they have a phone number, e-mail address, or instant messaging service that allows you to contact them. Do a quick internet search to see what people are saying about their customer service.
Find a local dentist, access your insurance cards, or provide your doctor with critical information on the go with the Dental Select Mobile ID app. We provide superior dental insurance for seniors, as well as individuals and families, and our mobile app makes it simple for subscribers and covered family members to get the information they need anytime, anywhere.

Dental savings plans are different than dental insurance. Dental savings plans provide you with a list of dentists who will give you a discount because you’re a member of the savings plan. Usually, these are quite generous discounts and can save you a significant amount of money on your dental care. Sometimes the discount can be well over 50% for things like preventative care, but it tends to be a little less for other types of care.


Almost all dental insurance companies use what is called a Usual, Customary, and Reasonable (UCR) fee guide. This means that they set their own price that they will allow for every dental procedure that they cover. This is not based on what a dentist actually charges, but what the dental insurance company wishes to cover. For example, your dentist may charge $78 for a dental cleaning, but your insurance company will only allow $58 because that is the UCR fee that they have set.
DentalPlans.com provides dental coverage to more than 1 million customers across all 50 states. DentalPlans.com has an extensive network including more than 100,000 dentists across the country. Although DentalPlans.com is not an insurance company they work to reduce the cost of dental repairs, as well as covering those who may need to visit an out-of-network dentist.
Aetna’s dental discount network includes over 161,000 dentists, and Careington says over 100,000 dentists participate in their plan. We searched for providers from a less populated location in the U.S. and found no dentists from the Aetna plan while the Careington plan had four dentists, although the offices were located 100 miles from the zip we used. If there are no providers available in a reasonable distance from your home, you can nominate dentists, and Careington will contact them to request participation. Dental providers usually join the network within 60-90 days.

Because dental is not included in Original Medicare (unless medically necessary) or Medigap supplement plans, seniors must look elsewhere for dental coverage. So, dental insurance for seniors on Medicare can seem like a chore. But getting dental insurance when you’re using Medicare isn’t difficult, limited, or expensive. In fact, there are two different paths to take in order to find inexpensive coverage options.
The reason why so many are uninsured might be because the economy is shifting towards more contract work, consultants, and freelancers. That’s left many people without an employer to pay the bill for things like health insurance and dental insurance. At the same time, many employers are cutting back on the benefits that they’re offering or shifting their benefits. Dental plans, which used to often be paid completely by the employer, might now be optional or require the employee to pay a significant portion of the costs. In that case, it could make more sense for you to shop for a plan that is a better fit for your needs and pay for your insurance yourself.

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The benefits of choosing MetLife are that they have a number of different plans available and they are well respected within the dental insurance industry. They have a broad network of dentists who work with them and they have significant coverage with a low deductible. The downside is that you have to visit dentists within their network in order to save.
Guardian has dental plans for seniors that cover 100 percent of preventive services including cleanings, exams and X-rays. The only downside is it is not available in every state. For those states that are covered, seniors can obtain dental insurance that covers 100 percent of preventive services and up to 90 percent of other basic procedures such as simple extractions and fillings. Individual plans directly provided by Guardian are available to individuals living in Arizona, California, Colorado, Nevada and Utah with access through the healthcare exchange for residents of Florida, Texas, Illinois and New York.
One example of a Humana insurance plan is their Dental Loyalty Plus package that has a one time deductible of $150 per person or $450 for family. Unlike other plans where the deductible must be paid annually, their deductible lasts as long as you keep the plan. The maximum benefits of the plan in the first year are $1,000, in the second year are $1,250, and in the third year are $1,500. Preventative services are covered at 100%, basic services start with coverage at 40%, but coverage goes up to 70% by the third year, and major services start at 20% coverage and go up to 50% coverage by the third year.

Our dental insurance plans include options to see ANY DENTIST YOU LIKE or choose from 400,000 + access points nationally. The dentists and dental providers in the network dental insurance plans have agreed to provide discounts to our plan members for the same quality treatments and procedures that they provide to non-members. When you visit the dentist, you pay the discounted price and save!
You’ll want to go to an in-network dentist as they usually have better, contracted rates. We’ll show an example of that in a minute. Cleaning or preventative care visits are typically covered at 100%. Basic or major services visits are typically covered at 80% and 50%, respectively. What does this mean? If you go to an in-network dentist for a tooth filling (80%) whose contracted rate is $200, you’ll have to pay $40 out of pocket ($200 X (1 – .80)).
Medicare Advantage plans may offer routine dental care. Medicare Advantage is another way to get you Original Medicare (Part A and Part B) benefits from a private insurance company. A Medicare Advantage plan may offer routine vision as well as prescription drug coverage. If you have a Medicare Advantage plan you have to continue paying your Part B premium. Medicare Advantage plans must cover everything that Original Medicare covers except for hospice care which is still covered by Medicare Part A. The extent of the Medicare Advantage dental coverage may vary from plan to plan.
Dental savings plans are different than dental insurance. Dental savings plans provide you with a list of dentists who will give you a discount because you’re a member of the savings plan. Usually, these are quite generous discounts and can save you a significant amount of money on your dental care. Sometimes the discount can be well over 50% for things like preventative care, but it tends to be a little less for other types of care.
Medicare, the largest health insurance provider for adults 65 and older, does NOT provide coverage for routine dental care. Medicare only pays when dental care and medical needs intersect. Medigap, a private insurance plan that supplements Medicare coverage, doesn’t offer dental coverage, but some private Medicare Advantage managed care plans do offer dental benefits.

Coverage begins at enrollment; there’s no waiting period. All applicants are accepted, even if you have previous dental work or ongoing issues, you’re guaranteed acceptance in the plan. You can even bundle a vision plan with it, for another $14 per month. All rates are guaranteed not to change for at least 12 months, but you can cancel any time you like.
You’ll pay less for your dental needs when you have coverage. Most procedures, even braces and dentures, come at a fraction of the price you’d pay without benefits. We also contract with dentists to offer you discounted rates, so you’ll only pay a portion of those reduced rates. Plus, our DeltaCare USA and Delta Dental PPO plans include a broad range of services to cover your oral health needs.
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