2017 RANKING & REVIEWS
TOP RANKING AFFORDABLE DENTAL PLANS
2017 Guide: Keep Your Teeth Shiny and Clean with the Best Affordable Dental Insurance Plans
Did you know that avoiding trips to the dentist could have drastic effects on your health? We’re not just talking about cavities and root canals, but dental and heart disease. Regular visits to the dentist can improve overall health and decrease the likelihood of needing expensive procedures in the future.
Unfortunately, every year over 100 million Americans fail to see a dentist. That means over 100 million Americans can be developing cavities, gum disease, and even more adverse health effects.
If you are one of those 100 milli0n Americans, it’s time to turn things around. If cost is a major deterring factor, there are affordable dental coverage plans to help. You might hear the phrase “dental insurance” and think it will be expensive, but some affordable dental insurance plans offer coverage for less than $20 a month.
That means that for less than $20 a month, you can get affordable dental services.
Award Emblem: Top 6 Best Affordable Dental Insurance Plans
However, like any insurance plan, you need to pay careful consideration to what you’re actually purchasing. You don’t want to get affordable full coverage dental insurance only to find out that it doesn’t cover much of anything.
The trick is knowing what dental insurance plans are worth the monthly premium. There are many options for affordable dental, so it is easy to become overwhelmed, especially if you are unfamiliar with dental insurance.
When you are looking for the best affordable dental insurance plans, you might have many questions in your head, including:
- Is there affordable family dental insurance?
- Can you get affordable dental insurance for seniors?
- What are the top sites to get affordable dental coverage?
- Can you get affordable dental care without insurance?
- What do affordable dental plans cover?
Throughout this 2017 guide, we will answer the questions you have regarding affordable dental services and why affordable dental insurance is a good choice. We will explain why affordable dental plans are beneficial and what to look for in affordable dental insurance for seniors and families. Finally, we will provide a detailed review of the six best affordable dental insurance plans.
By the end of this article, you should have a better understanding of affordable dental care and an idea of what the best affordable dental insurance plans for you are.
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AdvisoryHQ’s List of the Top 6 Best Affordable Dental Insurance Plans
List is sorted alphabetically (click any of the best affordable dental insurance plans below to go directly to the detailed review section for that affordable dental coverage site):
Top 6 Best Affordable Dental Care Plans | Brief Comparison & Ranking
Affordable Dental Care Plans | In-Network Dentists | Lowest Premium | Cost of Exam |
Aetna | 205,000 + | $25 | 0% |
Cigna Dental | 85,000 + | $31 | 0% |
Delta Dental | 140,000 + | $16 | $0 |
Guardian | 101,000 + | $22 | $0 |
Humana | 130,000 + | $19 | 0% |
United Healthcare | 200,000 + | $19 | $25 |
Detailed Overview: Why You Need Affordable Dental Insurance
You might think that dental insurance is a waste of money and that regular brushing and flossing is sufficient for maintaining a healthy mouth, but that is not always the case!
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While it is true that you can find affordable dental care without insurance, you might not always be receiving the best services. When you purchase an affordable dental care plan, you will have access to a network of verified dentists.
By not visiting the dentist, you are putting your health at risk. If you do not regularly visit the dentist, you can experience negative effects, including:
- Loss of teeth
- Painful toothaches
- Gum or periodontal disease
- Costly procedures in the future
- Increased risk of developing heart disease, dementia, diabetes, and certain types of cancer
- Stained teeth
- Bad breath
The negative consequences of avoiding the dentist vary in severity, but you can require painful and costly procedures if you put off visiting the dentist. You also put yourself at greater risk for certain serious diseases caused by plaque spreading to other parts of your body.
These are serious consequences, which is why it is important to get affordable family dental insurance if you have a spouse or children. Cost is a major reason that people do not visit the dentist, but with affordable dental plans, you won’t have to worry as much.
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Detailed Review – Top Ranking Best Affordable Dental Insurance Sites
Below, please find the detailed review of each affordable, full coverage dental insurance option on our list of affordable dental services. We have highlighted some of the factors that allowed these affordable dental insurance plans to score so highly in our selection ranking.
Aetna Review
Aetna is a good option for affordable dental care. With a minimum monthly premium of $25 and a maximum of $35, Aetna fares better than average when compared to other affordable dental plans.
There is no enrollment fee and no waiting period, so you can get approved for the affordable dental plans right away.
This plan also covers a variety of services. Aetna’s affordable dental insurance plan covers the entire cost of preventative exams and x-rays. Though cleanings will run you a 20% co-pay, Aetna has one of the lowest costs for a simple tooth extraction at 20%, and they will cover 50% of a root canal.
However, Aetna affordable dental insurance is only available in single plans if you live in the five states that it covers. For those in Alaska, Arizona, Delaware, Illinois, and Pennsylvania, this might be a good option.
Bottom Line
Aetna is a good option if you are looking for the best affordable dental insurance and happen to live in the five states that offer individual coverage. If you don’t, there are other affordable dental care options out there.
Cigna Dental Review
Cigna Dental is another option for affordable dental. There is less range in lowest and highest premiums, which range between $31 and $35, but it is on the higher end of affordable dental plans.
There is a $50 deductible for single coverage and a $150 deductible for families, but on the bright side, Cigna Dental offers affordable family dental insurance. You can get a free cleaning every six months, and you won’t pay out of pocket for exams or x-rays.
You will need to cover 20% for a tooth extraction and a minimum of 20% of fillings. If you have the unfortunate experience of needing a root canal, you will be expected to cover half of it with this affordable dental care plan.
One drawback is that there can be up to a 12-month waiting period, but it is waivable under certain conditions. Fortunately, Cigna gains some points by having coverage in over 37 states, with over 85,000 in-network dentists. This definitely beats Aetna when it comes to breadth of coverage.
Bottom Line
Overall, Cigna Dental is a good option for those looking for single or family affordable dental plans. You won’t pay for cleanings, exams, or x-rays, which are the main annual dental expenses.
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Delta Dental Review
Delta Dental is simply one of the best affordable dental insurance plans that you will find anywhere. With premiums ranging between $16 and $27, these affordable dental plans offer the ability to take care of your dental health without breaking the bank.
You won’t pay for exams or x-rays, and you will only shell out $25 per cleaning with Delta Dental. A tooth extraction will only cost a minimum of $40, with a filling costing at least $37. Still, having set prices instead of percentages means you can budget upfront, without needing to contact multiple dentists to shop around for the lowest prices.
Delta Dental also has a massive network of over 140,000 dentists. With an advertised “no waiting period,” you can get serious work done in a timely manner before the issue worsens or causes tremendous pain.
Bottom Line
Overall, Delta Dental is a great option. With a massive network and wide breadth of coverage for a low price, this is one of the best affordable dental insurance plans.
Guardian Review
With premiums ranging between $22 and $25, Guardian offers several affordable dental plans. The flexibility of plans is one of the best features of Guardian, along with offering sealants up to 19 years of age. Many other providers stop covering this service around 14 or 16 years of age, but Guardian gives you a few more years.
When it comes to coverage, Guardian offers some of the best. You will pay nothing out of pocket for exams, cleanings, or yearly x-rays. Tooth extractions and fillings will also only cost you 10% co-pay, which is much better than other affordable dental care plans offer.
With a network of 101,000 dentists, Guardian offers a wide area of coverage, which is a plus. One drawback with Guardian is that the PPO plan has a two-year waiting period for orthodontic work.
Bottom Line
Though this might not be the best affordable dental insurance for those looking for orthodontic work, for those needing just the basics, Guardian offers a variety of coverage for a low monthly premium.
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Humana Review
Humana offers affordable dental plans ranging between $19 and $32 per month.
While you will be expected to pay a $150 one-time deductible, that amount also applies for families. If you have single coverage, that number might seem unfair, but for families this is average.
The great thing about Humana’s affordable dental insurance is that there is no waiting period. Though exams and cleanings are free, you will pay 30% for x-rays.
As a bonus, you can also get discounts on additional services, like hearing and vision. This also applies to prescription discounts at over 60,000 pharmacies across the country. For those who like massage therapy and acupuncture, Humana can provide up to 30% discounts at certain providers.
Bottom Line
While Humana provides stellar dental coverage, the best part of this affordable dental insurance plan is the additional savings it offers on prescriptions, hearing, vision and even acupuncture.
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United Healthcare Review
United Healthcare is another company that offers affordable dental care. With over 200,000 in-network dentists, United Healthcare offers the widest network on our list of best affordable dental insurance providers.
While the lowest premium for United Healthcare settles well below the average at 19, the most expensive plan can run you $52 a month. The nice thing is that there is no maximum age limit, so this is an option for affordable dental insurance for seniors as well.
There is a $50 single deductible and $150 deductible for a family of three plan. There is also a waiting period between 6 and 12 months, which can be a set back if you need affordable dental care right away.
With your deductible and monthly premium, x-rays and cleanings are covered, but you will pay a $25 exam fee out of pocket. On top of that, United Healthcare will cover around 30% of tooth extraction and fillings, and 50% of a root canal cost.
Bottom Line
If you are looking for affordable dental care plans with the greatest number of dentist office options, United Healthcare takes the cake. There is a better chance that your preferred dentist will be included.
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Conclusion – Top 6 Best Affordable Dental Plans
Are you worried about the dental health of you and your family? With affordable family dental insurance, you no longer have to be! Regular trips to the dentist can help maintain a healthy mouth.
If you are looking to avoid cavities, painful dental procedures, dental and gum disease, you need affordable dental care. These plans spread costs over an entire year, meaning you can budget better.
However, with various companies offering affordable dental insurance, it can become overwhelming when you try to choose the best affordable dental insurance plan for you or your family. It is important to know what to look for in affordable dental plans.
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When you are looking for the best affordable dental insurance, it is a good idea to consider the following:
- Does the company offer affordable family dental insurance as well as single coverage?
- Are cleanings and checkups free?
- What does the affordable dental care plan cover?
- How big is the network of dentists?
- Is there an in-network provider nearby?
- What is the monthly premium for the affordable dental insurance plan?
These are important questions to ask when determining what the best affordable dental insurance is for you and your family.
Take the time to consider a few of the best affordable dental insurance plans detailed throughout this article to see which ones will meet your needs. With your dental and overall health on the line, take time to research affordable dental plans accordingly!
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