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Dental Insurance Comparison Chart for 2024/25

A healthy smile is an essential part of overall well-being, but dental care costs can add up. Dental insurance helps you manage those costs by offering coverage for preventive care (cleanings, exams) and restorative procedures (fillings, root canals). This Dental Insurance Comparison Chart breaks down some of the leading options, including public programs, to help you find the perfect fit for your needs and budget.


Dental Insurance Comparison Chart

Dental Insurance Comparison Chart: Shining a Light on Your Smile Savings


Key Considerations:


  • Network: PPO (more flexibility, potentially higher costs) vs. HMO (limited network, potentially lower costs).

  • Monthly Premium: How much are you comfortable spending each month?

  • Coverage Details: Preventive care, restorative procedures, orthodontics?

  • Out-of-Pocket Costs: Deductibles, copays, and how much you might pay for services.


Let's break it down:

Provider

Type

Website

Monthly Premium (Avg.)

Coverage Highlights

Potential Drawbacks

Delta Dental

PPO

$30-$50

Big dentist network, great preventive care coverage, covers major procedures

More expensive out-of-network, referrals needed for specialists sometimes

Cigna Dental

HMO

$20-$40

Lower monthly premiums, low copays for preventive care

Smaller dentist network, might require choosing a primary dentist

Guardian Dental

PPO & Indemnity

$25-$45

Choices for different needs/budgets, strong out-of-network coverage (PPO), reimburses for covered services (Indemnity)

Out-of-pocket costs vary by plan and network

Humana Dental

PPO

$20-$40

Focus on preventive care ($0 copays for some cleanings/exams), some plans cover orthodontics

Network size can vary by location

MetLife Dental

PPO & Indemnity

$30-$50

Nationwide network, flexible plan options, some plans cover orthodontics

Higher out-of-pocket costs for Indemnity plans

Spirit Dental

PPO

$15-$30

Budget-friendly option, strong focus on preventive care with low copays

Limited coverage for major procedures (might have higher copays)

Public Programs:

Provider

Type

Website

Coverage Details

Potential Drawbacks

Varies by State

- Free/low-cost coverage for children (preventive) <br> - Optional adult coverage varies by state (limited-comprehensive)

- Coverage details vary greatly, may have limited dentist network

Additional Providers:

Provider

Type

Website

Monthly Premium (Avg.)

Coverage Highlights

Potential Drawbacks

MCNA Dental

PPO

$20-$40

Varied plans with different coverage levels, focuses on preventive care, some restorative coverage possible (plan dependent)

Coverage details vary by plan and location, higher out-of-network costs

Molina Healthcare

Varies by State

Varies by State

Dental coverage in some Medicaid plans, stand-alone plans in some states

Coverage details vary by state and plan type, limited information online (contact directly)

Varies by State





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