Periodontal disease, a common dental condition, requires ongoing and sometimes costly treatment. Selecting the right dental insurance plan is crucial for managing these expenses effectively. This guide compares five leading dental insurance options, each with its unique benefits and drawbacks, to help you make an informed decision.
Delta Dental shines when it comes to orthodontic care, offering comprehensive benefits for both children and adults.
|Low NAIC complaint index
|Plans vary significantly per state
|Available on state and federal exchanges
|HMO plan doesn’t cover dental implants
Verdict: For those seeking orthodontic care, Delta Dental is a top contender.
Humana’s Dental Loyalty Plus PPO plan is designed for long-term dental health planning, with benefits that increase over time.
|Low-cost preventive plan option
|High NAIC complaint index in some states
|One plan with no waiting periods on all care
|No coverage for implants or orthodontic care
Verdict: Humana’s diverse plan options make it suitable for a wide range of dental needs.
DentaQuest offers both preventive-only and comprehensive dental care at a significantly lower price than its competitors.
|Affordable options starting at $8.35
|One plan enforces 18-month waiting period on major work
|Orthodontic coverage for children and adults
|No out-of-network coverage
Verdict: For those on a budget, DentaQuest provides a balance of affordability and comprehensive coverage.
Spirit Dental stands out for waiving waiting periods across all its dental policies, ensuring immediate coverage.
|No waiting periods on any plan
|Expensive premium rates
|Plan option with $5,000 annual maximum limit
|No coverage for adult orthodontia
Verdict: For those seeking immediate coverage, Spirit Dental is a prime choice.
Which is the Best Option?
The best dental insurance plan for periodontal disease depends on individual needs and circumstances. Consider factors like budget, need for immediate coverage, and long-term dental health plans when making your choice.
- Why is dental insurance important?
Dental insurance helps cover the costs of preventive, minor, and sometimes major dental care, reducing out-of-pocket expenses and promoting regular dental check-ups.
- How do I choose the right dental insurance plan?
Consider factors like your dental health needs, the coverage provided, monthly premiums, annual maximums, and whether your preferred dentist is in-network.
- What should I consider when choosing dental insurance for periodontal disease? Consider coverage details, waiting periods, premium costs, and whether the plan covers ongoing treatments for periodontal disease.