With the “Journal of Prosthetic Dentistry” predicting that over 37.9 million Americans will require dentures in 2020, the need for affordable dental insurance is evident. If you’re considering dentures, it’s essential to find insurance that can help cover the costs. Dive into our guide to discover the best dental insurance options for dentures.
Best Dental Insurance Providers that Cover Dentures
Transitioning to dentures is a significant investment. A robust dental insurance or savings plan can make this transition smoother. Here’s a look at the top dental insurance providers for dentures:
Cigna stands out as the best overall for denture coverage, balancing wait time and savings. With the CIGNAPlus dental savings plan, dentures are included. ****
|• Affordable annual premiums
|• Not available in all areas
|• Over 110,000 providers nationwide
|• Potential savings of more than 40% on dentures
Verdict: Cigna offers a balanced approach to denture coverage, making it an excellent choice for those seeking immediate benefits without long wait times.
Careington offers a dental savings plan that provides immediate discounts on denture work. The Careington 500 Series dental savings plan is both affordable and comprehensive.
|• No annual maximums
|• Limited to specific dental services
|• Almost 40% savings on dentures
|• No claims paperwork required
Verdict: For those seeking immediate savings without the hassle of paperwork, Careington is a top choice.
Humana’s Dental Loyalty Plus PPO plan offers increasing benefits over time, making it a valuable option for long-term planning.
|• Coverage increases over time
|• Initial coverage is only 20%
|• Choice of dentist
|• 100% coverage of preventive care
Verdict: For those willing to wait, Humana offers a plan that becomes increasingly beneficial over time.
UnitedHealthcare offers comprehensive dental plans for individuals, especially when dental coverage is not provided at work.
|• Wide range of covered services
|• Might require direct payment to the dentist
|• Large network of providers
|• No age restrictions
Verdict: UnitedHealthcare is a versatile choice for those seeking comprehensive dental coverage.
Delta Dental offers two PPO plans for denture coverage, both providing significant benefits after a 12-month wait.
|• Two plan options with different benefits
|• 12-month wait for denture coverage
|• Both plans cover 50% of denture costs
|• High annual maximum with Platinum Prime
Verdict: For those seeking choice and flexibility, Delta Dental offers two robust options for denture coverage.
Which is the Best Option?
Considering the balance between immediate benefits, coverage percentages, and network size, Cigna emerges as the top choice for most individuals. Their extensive network and potential for significant savings make them a standout option.
Frequently Asked Questions
Q: How often should it be recommended to see a dentist?
A: It is recommended to see a dentist every 6 months for professional teeth cleaning.
Q: Do all dental insurance plans cover dentures?
A: While many dental insurance plans provide some coverage for dentures, it’s essential to read the policy details. Some plans might have waiting periods, while others might offer coverage immediately.
Q: What’s the difference between a dental insurance plan and a dental savings plan?
A: Dental insurance plans typically involve paying a monthly premium, and they may cover a percentage of dental services after deductibles and up to certain limits. Dental savings plans, on the other hand, offer discounts on dental services. You pay an annual fee and get reduced rates from participating dentists.
Q: Are there any alternatives to dentures for missing teeth?
A: Yes, alternatives to dentures include dental bridges and implants. It’s essential to consult with a dentist to determine the best solution for individual needs and circumstances.
Choosing the right dental insurance for dentures is crucial. Whether you’re looking for immediate coverage or are planning for the future, there’s an option out there for you. Remember to consider both the immediate and long-term benefits of any plan and always shop around to ensure you’re getting the best deal.