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Standalone dental coverage for cleanings, fillings, crowns, root canals, and major procedures. Costs far less than paying out-of-pocket, especially if you need anything beyond basic cleanings.
Available as add-on to health plans or standalone coverage.
Preventive Care Covered 100%
Cleanings, exams, X-rays typically no cost.
Annual Maximum Benefit
$1,000-$3,000 per year coverage.
No Deductible on Preventive
Most plans cover cleanings and checkups with zero deductible.
Large Provider Networks
National chains plus thousands of independent dentists.
Family Discounts
One family premium covers everyone.
Preventive (100% covered):
✓ Routine cleanings (2 per year)
✓ Exams (2 per year)
✓ X-rays (annual)
✓ Fluoride treatments (kids)
✓ Sealants (kids)
Basic (70-80% covered):
✓ Fillings
✓ Simple extractions
✓ Emergency care
Major (50% covered):
✓ Crowns
✓ Root canals
✓ Bridges
✓ Dentures
✓ Implants (some plans)
Orthodontics (50% covered):
✓ Braces
✓ Invisalign
$1,000-$2,000 lifetime maximum typical
Monthly Premium:
Individual: $15-$50/month
Family: $40-$150/month
Annual Deductible:
$0-$50 per person (preventive usually exempt)
Annual Maximum:
$1,000-$3,000 per person per year
Out-of-Pocket Examples:
Cleaning: $0
Filling: $30-$60
Crown: $300-$600
Root canal: $200-$500
Preventive: No waiting - immediate coverage
Basic: 0-6 months
Major: 6-12 months
Orthodontics: 12 months
Waiting periods vary by plan. Some plans waive waiting periods if you had prior coverage.
Most plans cap coverage at $1,000-$3,000 per person per year.
Example: Plan has $1,500 annual max. You need:
Crown: $1,200 (plan pays 50% = $600)
Two fillings: $400 (plan pays 80% = $320)
Two cleanings: $200 (plan pays 100% = $200)
Total plan pays: $1,120
You have $380 remaining benefit for year.
Choose higher annual max if you anticipate major work.
Without Insurance:
2 cleanings: $200-$400
1 filling: $150-$300
Annual total: $350-$700
With Insurance ($25/month):
Premium: $300/year
2 cleanings: $0
1 filling: $40
Annual total: $340
Break even with just cleanings + one filling. Major work = huge savings.
Delta Dental: Largest network, 156,000+ dentists nationwide
Cigna Dental: Extensive network, competitive pricing
MetLife Dental: Strong national coverage
Guardian Dental: Good benefits, solid network
Humana Dental: Affordable options
PPO Plans:
Large networks
Out-of-network coverage available (pay more)
No referrals needed
DHMO Plans:
Smaller networks
Must use network dentists
Lower premiums
No or low deductibles
Indemnity Plans:
See any dentist
Highest premiums
Reimbursement based on usual/customary fees
Kids (cavities, cleanings, orthodontics)
Anyone who gets regular cleanings
People who need crowns, root canals, or major work
Seniors with aging dental issues
Anyone who wants to avoid $5,000+ bills for major procedures
"Can I use my current dentist?"
Check if they're in network. Out-of-network usually costs more.
"What about cosmetic work?"
Teeth whitening, veneers typically not covered - considered cosmetic.
"Are implants covered?"
Some plans cover implants, others don't. Check specific plan.
"Can I get braces for my kids?"
If plan includes orthodontic coverage. Usually 50% up to $1,500-$2,000 lifetime max.
"What if I need immediate work?"
Waiting periods apply for basic/major work. Emergency care may be covered immediately.
Standalone Plans: Year-round
With Health Insurance: During health plan enrollment
Coverage typically starts 1st of following month.
1. Get Your Quote
Call 800-835-1776 or request online
2. Compare Plans
Check networks, annual maximums, waiting periods
3. Verify Your Dentist
Confirm in-network status
4. Enroll
Quick approval, coverage starts next month
CALL NOW: 800-835-1776
GET ONLINE QUOTE
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