When you’re trying to choose a dental insurance plan, there’s a lot to think about. The types of plans, what you can expect from each plan, and how much it costs are all factors that will determine your decision. Thankfully, there are several reviews available online that can help you find the right plan. These reviews will help you get an idea of the cost of each plan, so you can make an informed decision.
Aetna
Aetna dental insurance is a dental plan that allows you to choose the dentist you want. You can also receive discounts on LASIK, eyeglasses, and prescription drugs.
Aetna is one of the largest health insurers in the United States. They offer plans for both individuals and businesses. They have an A rating from AM Best. They are also highly rated by the Better Business Bureau.
Aetna offers dental plans with deductibles of $150 for a family, and $50 for an individual. You can also get a discount card that gives you 50% off most services. You can also use the Aetna dental insurance website to find and compare dentists, claim information, and more.
You can buy an Aetna dental insurance policy separately or as part of an employer plan. Aetna’s policies are available in Alaska, Arizona, Georgia, Louisiana, New Mexico, and Oregon.
Cigna
Cigna is an insurance company that offers several health insurance plans, including dental plans. The company is financially stable and has a large network of providers. They have a number of features and benefits to recommend to potential customers, such as free preventative care and a robust mobile app.
The Cigna website is easy to navigate and understand. They have an award-winning national call center that operates around the clock. The site also has a robust member portal where you can track your claims, see the status of your claim, and contact the carrier. You can also use the app to get health tips and exercise tracking.
Cigna has three dental plans to choose from. Their standard plan pays for 50 percent of major care and the other two covers 20 percent. This is not the cheapest dental insurance, but it does offer competitive coverage.
Humana
Humana is one of the largest managed healthcare providers in the United States. It offers a wide selection of plans to suit different customer needs. The company has a good rating from Moody’s, Standard and Poor’s, and AM Best.
There are six dental plans available from Humana, which vary in coverage. These include a comprehensive dental care plan with no deductibles, a PPO plan, and a complete dental plan.
The comprehensive plan includes a full preventative care benefit, and no deductibles or waiting periods for the first year. However, the PPO plan requires a $50 deductible and a six-month waiting period for the initial procedures.
The company provides a mobile app to help patients find and select a dentist. Customers can also submit claims online.
Renaissance
Renaissance is a family of companies that pays out over $3 billion in dental care every year. They provide insurance to over 13 million customers in the U.S., and they have a solid reputation for customer service. They also have a plethora of dental insurance plans to choose from. For the best deals, make sure you do your homework before you sign up. You don’t want to get ripped off.
Among their insurance offerings, the Renaissance Dental Plan III stands out. This plan provides 50% coverage for major dental procedures, which is pretty good for the cost. If you can scrounge up the cash, you can opt for Renaissance Dental’s Max Choice Plan, which provides 100% coverage for diagnostic services. Likewise, you can get a 30 percent discount on treatment fees through their Renaissance Dental Wellness Club.
UnitedHealthcare
Dental insurance can be a smart choice for those who have excellent oral health. However, not all plans are designed to cover all costs. They may limit payouts, impose restrictions, and have waiting periods. You’ll need to do some research before choosing a plan.
The UnitedHealthOne network offers a wide variety of dental plans to fit the needs of your family. The insurer’s website offers details on each plan. You can also search by ZIP code, by specialty, or by dentist name. The company also has a mobile app that lets you manage your policy. The app allows you to estimate procedure costs, compare doctors, and compare dental plans.
Dental plans offered by MetLife include both PPO and HMO options. You can purchase a separate MetLife insurance policy if you’d prefer to have coverage from a different provider. In addition, you can find a MetLife dentist in your area. If you opt for a MetLife PPO, your premiums may be lower than average. You can also get a discount on dental services if you choose a MetLife dentist that is in-network.