A good dental plan helps you take care of your smile without breaking the household budget. A smile is one of the first thing that others notice, and it's important to take the best care possible with your oral health. The longer an individual waits to get dental work, the more it will cost. There are many dental plans from which to choose and this isn't the place to find ways to cut corners. Getting second-rate dental care could cost so much more in the long run. The specific needs of the individual will factor into which dental plan is best. Some of those factors are whether or not family coverage is needed, or if the dentist needs to be in network. The top five dental plans are UnitedHealthOne, Delta Dental, Humana Dental Insurance, Cigna, and Ameritas. Read on to find out what you need to know about these dental plans.
UnitedHealthOne, Delta Dental, Humana Dental Insurance, Cigna, and Ameritas dental plans all offer at least one plan that covers 100 percent of all preventative services. Preventative services are things like annual dental exams and cleanings. The insured does not even have to pay a co-pay for these services.
UnitedHealthOne, Humana Dental Insurance, Cigna, and Ameritas dental plans allow insured individuals to go to both providers that are in network or out of network. Typically, the discounts are greater when using an in network provider, but the insured does still receive coverage when using an out of network provider.
UnitedHealthOne, Delta Dental, Humana Dental Insurance, Cigna, and Ameritas dental plans offer services in multiple states, so coverage is extended beyond the state in which you live. Be sure to check which states are covered because only Ameritas and Cigna cover all 50 states. Cigna is the only dental provider that is global and provides coverage overseas.
Both Humana Dental Insurance and Ameritas Dental Insurance plans both have pharmacies as part of their in network providers. As a result, these dental plans cover prescriptions. Be sure to understand if all prescriptions are covered by these dental plans.
Delta Dental, Humana Dental Insurance, Cigna, and Ameritas all have some type of orthodontic coverage. These dental plan companies have several different plans that they offer. Be sure that the plan in which you are interested has the coverage, including orthodontic coverage, in which you are interested.
UnitedHealthOne, Delta Dental, Humana Dental Insurance, Cigna, and Ameritas dental plans all have deductibles. These dental plan companies have several different plans that they offer. Each of the plans within each dental plan have a different deductible. Typically, the higher the deductible, the lower your insurance premiums will be. Be sure to find out how much the deductible will be for the plan you pick.
Yes, UnitedHealthOne, Delta Dental, Humana Dental Insurance, Cigna, and Ameritas dental plans all have a maximum amount of benefits you can receive. Depending on the plan, the maximum benefit amount may be higher. On the low end, the maximum benefit per year is $1,000. Be sure you know the maximum benefit amount you can receive with your dental plan.
UnitedHealthOne, Delta Dental, Humana Dental Insurance, Cigna, and Ameritas dental plans all have family coverage. Family coverage has a higher premium amount than an individual plan. The deductible amount may change, as well as the maximum benefit amount. When looking into a family plan, be sure to look at how the coverage changes.