What Are the Best Dental Insurance Plans for 2021?

What Are the Best Dental Insurance Plans for 2021?
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What Are the Best Dental Insurance Plans for 2021?Clinical Content Reviewed by aByte Licensed DDS
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Table of Contents

  1. The Importance of Dental Insurance
  2. Guardian Direct
  3. Cigna
  4. Humana
  5. Renaissance
  6. UnitedHealthOne
  7. References

The right dental insurance coverage for you will depend on your specific needs. Regular dental care is vital for good oral health.1

We’ve outlined the best dental insurance coverage plans for 2021 and what they have to offer.

The Importance of Dental Insurance

Dental insurance is often supplemental to your regular health insurance plan and coverage. It can help you maintain your oral health and aid in offsetting costs related to dental services.
Most dental insurance coverage will help to cover preventative care, such as routine exams and cleanings. Dental insurance can also offer at least partial coverage for the treatment of tooth decay and gum disease.

Guardian Direct Dental Insurance

Guardian Direct offers both individual and family dental plans starting as low as $20 per month. They boast a network of over 100,000 dentists.

You can choose from either gold, silver, or bronze coverage, with gold offering the highest level of coverage and bronze offering affordable coverage for routine cleanings and checkups.

Preventative care is covered between 80 and 100 percent and includes the following:

  • Dental x-rays
  • Teeth cleanings
  • Dental exams
  • Dental sealants for children

Basic dental procedures, such as fillings, are generally covered between 50 and 70 percent, while more major dental procedures like surgeries are often covered at 50 percent. You will be responsible for the remaining percentage. With Guardian Direct, using an in-network dental provider will be the most cost-effective choice.

Guardian Direct plans are PPO (preferred provider organization), meaning that you can see dentists out of their network, but you will pay more out of pocket for these services than if you use an in-network contracted provider.

Cigna

With nearly 100,000 in-network dentists in nearly 300,000 locations, Cigna dental plans start as low as $19 per person per month, offering an affordable dental insurance option. For routine preventative care, there are no copays. Coverage is offered at 100 percent for the oral exam, routine x-rays, and dental cleanings once every six months.

Cigna offers three main dental plans. With the Cigna Dental Preventive plan, you will pay the least amount per month, and routine preventative care is covered at 100 percent when seeing an in-network provider. For a higher level of coverage, the Cigna Dental 1000 covers up to $1,000 in restorative dental procedures after an individual deductible of $50 for an individual and $150 for a family.

The highest level of coverage is provided through the Cigna Dental 1500 plan. It has a higher monthly premium but also offers up to an $1,000 lifetime limit for orthodontia after a separate deductible and coinsurance are met and used.

Humana Dental Insurance

Humana has a large network of over 270,000 in-network dentists, a variety of dental plans to choose from, and no waiting periods for most plans. With preventative value plans starting as low as $17 per month and complete dental coverage plans starting at $44 per month, Humana offers various options.

The Humana Complete Dental Plan covers preventative services, such as two oral exams, two teeth cleanings, two topical fluoride treatments, and one oral evaluation per year at 100 percent with no deductible if you stay in-network.

Basic care, including emergency services, one filling per tooth for two years, stainless steel crowns, and space maintainers in children, are covered at 80 percent, with a six-month waiting period after the $50 per person or $150 per family deductible is met. Major services, such as dentures, oral surgeries, non-prefabricated crowns, and inlays and onlays, are covered at 50 percent after the deductible is met.

The Humana Loyalty Plus Plan has no copays. The plan rewards your loyalty by increasing the annual benefit maximum each year for the first three years from $1,000 in the first year to $1,250 in the second, and $1,500 in the third year. Preventive services are covered 100 percent, and basic services are covered at 40 percent in your first year, 55 percent in your second year, and 70 percent from the third year on. Major dental services are covered at 20 percent your first year, 30 percent your second year, and 50 percent from your third year on.

With the Humana Preventive Plus dental plan, preventative services are covered 100 percent with no copays and a low annual deductible of $50 per individual and $150 for the family. Annual maximums are $1,000. Basic services are covered at 50 percent after a six-month waiting period, and there is often a discount provided on major services.

Renaissance Dental Plans

With over 300,000 dental offices in their PPO network, Renaissance Dental offers a high level of customer service and coverage with four different levels of care to choose from.

Plan II:

  • Diagnostic and preventative services, such as exams and cleanings, two times per year; bitewing x-rays; and fluoride treatments for children up to 14 years old are covered at 50 percent.
  • Minor services, such as x-rays, minor restorative services, and periodontal maintenance, are covered at 50 percent.
  • Major services, including dentures, oral surgery, endodontics, periodontics, prosthodontics, crowns, and TMD treatment, are covered at 50 percent with a 12-month waiting period.
  • Deductibles are $50 per member and $150 per family. They are waived on preventative and some minor services.
  • There is a $1,000 annual maximum.
  • You can use any dental provider of your choosing in or out of network for the same cost.

Plan III:

  • Diagnostic and preventative services are covered at 100 percent for in-network providers and 80 percent for out-of-network providers.
  • Basic services are covered between 50 percent and 100 percent in-network with a six-month waiting period.
  • Most major services are covered at 50 percent with a waiting period of 12 months.

Essentials Plan:

  • Diagnostic and preventative services are covered at 100 percent, with no waiting period both in-network and out-of-network.
  • Only minor restorative services, such as silver and white fillings, are covered at 50 percent with a six-month waiting period.
  • Major services are not covered.
  • There is no deductible.

Healthy Savings Card:

  • This is not insurance coverage but a savings card.
  • The card can save you as much as 50 percent on dental services.
  • There are no limits on use.
  • There is no waiting period.

UnitedHealthOne Dental Insurance

United Healthcare offers several tiers of dental coverage, with the essential plan starting at around $20 per month, depending on where you live and what state you are getting coverage in. They also do not have an age limit for their plans.

Plans include the following:

  • Essential Dental plan: This plan offers the lowest monthly premium with 80 percent coverage for preventative services with no waiting period; basic services are covered at 50 percent after four months, with a $50 annual deductible and $1,000 maximum allowance per year.
  • Essential Preferred plan: This plan includes coverage for major services after six months.
  • Primary Dental plan: This plan covers preventative services at 100 percent and basic services at 50 percent after the $50 deductible per person (up to three people), with no waiting period.
  • Primary Plus Dental plan: This plan adds a higher level of coverage for out-of-network providers.
  • Primary Preferred Dental plan: This plan covers preventative services at 100 percent and basic services at 35 percent immediately. It covers 15 percent for major services after six months and 50 percent after one year once the deductible has been met.
  • Premier Choice Dental plan: This plan covers preventative services at 100 percent, basic services at 50 percent, and major services at 10 percent right away. Major services are then covered at 40 percent after one year and after the deductible is met.
  • Premier Elite Dental Plan: This plan covers preventative services at 100 percent, basic services at 50 percent and major services at 15 percent right away and then 50 percent after one year and the deductible is met.
  • Premier Plus Dental plan: This plan includes 10 percent coverage on major services, including dental implants with no waiting period after the deductible is met. It then pays 40 percent after a year as well as adds coverage for up to 50 percent of children’s orthodontics after one year, up to a $1,000 lifetime maximum.
  • Premier Max Dental plan: Basic services are covered at 50 percent after the first four months, and major services are covered at 50 percent after one year, after the annual deductible of $50 per person (up to three people) is met. There is a $3,000 calendar year max benefit amount.

General References

Meet Our Dental Insurance. (2021). The Guardian Life Insurance Company of America. Date Fetched: September 26, 2021.

11 Things You Didn’t Know Dental Insurance Covers. The Guardian Life Insurance Company of America. Date Fetched: September 26, 2021.

Individual and Family Dental Insurance Plans. (2021). Humana. Date Fetched: September 26, 2021.

Complete Dental. (2021). Humana. Date Fetched: September 26, 2021.

Loyalty Plus Dental Plan. (2021). Humana. Date Fetched: September 26, 2021.

Preventative Plus. (2021). Humana. Date Fetched: September 26, 2021.

Individual & Family Dental Plans. (2021). Renaissance Holding Company. Date Fetched: September 26, 2021.

Plan II. (2021). Renaissance Holding Company. Date Fetched: September 26, 2021.

Plan III. (2021). Renaissance Holding Company. Date Fetched: September 26, 2021.

Essentials Plan. (2021). Renaissance Holding Company. Date Fetched: September 26, 2021.

Healthy Savings Card. (2021). Renaissance Holding Company. Date Fetched: September 26, 2021.

United Healthcare. (2021). United Healthcare Services. Date Fetched: September 26, 2021.

Medical References

1 Disparities in Oral Health. (February 2021). Centers for Disease Control and Prevention (CDC).

Disclaimer: This article is intended to promote understanding of and knowledge about general oral health topics. It is not intended to serve as dental or other professional health advice and is not intended to be used for diagnosis or treatment of any condition or symptom. You should consult a dentist or other qualified healthcare provider with any questions you may have regarding a medical condition or treatment.

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