Best dental insurance 2020. Choosing the right dental insurance plan is hard. But with the information below you can cut right through the confusion and find a plan that fits your needs.
Here’s what you need to know:
1. Delta Dental: Best overall
Best overall dental care
Coverage options: PPO and DHMO | Plans available: Six | Snapshot: In-network savings over 20 percent
Delta Dental is our top pick as the best dental insurance out there right now. This isn’t simply because it’s the largest insurer, covering all 50 states, but also thanks to a variety of six plan options. These span PPO and DHMO and include full mouth x-rays every two years with app and website support which help to make customization easy and genuinely useful.
There is a state by state variation on availability but with over 78 million people using Delta, it’s doing something right. Cover not only works for individuals but also extends to families and can be attained through many workplaces. From low copays to a wealth of information on the Delta website, there is lots to like about this top notch dental insurer.
- Read the review: Delta Dental
2. Guardian Direct: Best for solid financial support
Best for solid financial support
Coverage options: PPO and DHMO | Plans available: Three | Snapshot: In-network savings up to 35 percent
For a wide range of options you’re well covered by Guardian direct. This dental insurer is part of the mighty Guardian Life, meaning a solid financial base of support for you. Plans are tailored for each state with the website allowing you to search by area to find one of the 100,000 dentists available in-network for both PPO and DHMO plans. Pricing is excellent with plans starting for as little as $16 per month with discounts of up to 35 percent on treatments and greta copay options for any larger work.
- Read the review: Guardian Direct
3. Physicians Mutual – Best dental insurance 2020
Best for location availability
Coverage options: PPO | Plans available: Three | Snapshot: In-network savings up to 50 percent
Physicians Mutual is a century old super reliable insurer that spans a whopping 450,000 locations across the US and covers you for more than 350 procedures. This insurer also offers excellent rates on its PPO plans that start as low as $24 per month. There are three payment plans available with no annual or lifetime maximum on cash benefits as well as no deductible to worry about. With savings up to 50 percent, this is a great way to get a broad range of coverage at a low price.
- Read the review: Physicians Mutual
4. MetLife: Best family cover
Best for family cover
Coverage options: PPO | Plans available: Three | Snapshot: In-network savings up to 45 percent
MetLife is the best dental insurance provider for those that want cover for the entire family. The PPO and DHMO options are limited to two plans but with lots of preventative care totally free, there is little need for any over complication here. Included orthodontics make it ideal for families while low copays help it appeal to anyone hoping to make a saving. With up to 45 percent to be saved this is one of the better options out there, spanning over 400 procedures and a network of 90,000 dentists.
- Read the full review: MetLife
5. United Healthcare: Best dental insurance 2020
Best for preventive cover
Coverage options: PPO | Plans available: Four | Snapshot: In-network savings up to 85 percent
United Heathcare, aka Golden Rule Insurance Company, offers dental insurance with the backing of over 65 years’ experience and a solid A+ financial rating from Standard & Poor. Online browsing of plans makes checking pricing simple so you know what you’re getting. This includes most preventative care for free, meaning exams, x-rays and cleaning won’t be a worry for the future. Four PPO plans are available with pricing starting at around the $20 mark but that should get you up to 85 percent savings at in-network dentists.
- Read the full review: United Healthcare
6. Humana: Best dental insurance 2020
Best for quality of service and care
Coverage options: PPO, DMHO and vouchers | Plans available: Six | Snapshot: In-network savings up to 45 percent
Humana dental insurance has a lot going for it as one of the larger US providers that covers all 50 states with PPO, DHMO and voucher plan options spanning six in total. These represent savings of up to 45 percent when using in-network dentists, of which there are a huge 270,000, making this one of the biggest. Specialist plans for veterans can offer big savings while voucher options mean you don’t have to commit to full insurance if you don’t want to.