Dental treatment is always an expensive treatment especially in the United States. In 2022, it is almost impossible to pay from your pocket for the advanced dental procedures like orthodontics in the United States. The only way to go for such orthodontics and other dental cosmetics is via dental insurance coverage.
What Is Dental Insurance?
Dental insurance is an insurance plan that majorly covers the dental checkups and normal dental treatment like teeth whitening and teeth cleaning. You have to have a separate dental insurance in the USA apart from health insurance, if you want your dental treatment to be covered by an insurance company.
Usually dental insurance in the US only covers the basic dental checkups and minor dental care against teeth sensitivity or teeth cleaning. Some dental insurance companies in the USA also cover the advanced treatment but they encourage you to go with their premium plans for advanced coverage.
What Are the Best Dental Insurances in 2022?
We are living in 2022 and there are many top dental insurance companies competing with each other in the United States; however, only a few dental companies are popular and considered as best dental insurances in the US due to their broader network and their advanced plans covering advanced dental treatments like orthodontics, scaling and polishing.
Following are the top 5 best dental insurances in the USA 2022. If you are searching for “dental services near me”, you must consider these dental insurance companies in your state.
Delta Dental
Delta Dental is surely a top candidate to be included in the best US dental insurance companies because of its largest orthodontics network. It is among a few dental insurance companies in the USA that actually cover the 100% of the dental preventive care and the 50% fees of orthodontics and advanced dental treatments for both children and adults.
Cigna
Cigna is surely among the most popular dental insurance companies in the US. It is majorly known for its large network of more than 300000 partners having more than 92000 dentists and specialists. Another great reason for Cigna’s inclusion in the best dental insurance companies’ list is its affordable premium starting from just $19 per month. If you opt for advanced payment plans, Cigna may cover 50% of your advanced dental treatments.
Humana
Humana is another top dental insurance company in the USA that offers different insurance plans and it may cover upto $1000. Four of its plans provide even out-of-network coverage as well. Some policies also offer the no-waiting-period benefit for all of your preventive care including orthodontics. If you are looking at variable insurance plans from the same dental insurance company, Humana is the most known for its various plans targeting almost everyone.
Renaissance Dental
Renaissance Dental is another top US top dental insurance company. It has flexible and affordable plans with three major variations with zero waiting time. You can choose any of the dentists from their network of 300000 partners. It is majorly known for its exceptional customer service.
Spirit Dental & Vision
If you are looking for US dental insurance companies to instantly cover for your dental prevention care, Spirit Dental & Vision should be your top priority. It literally allows you to have coverage for your dental preventive care on the first day of your policy. All plans have only one time deductible fee of $100 and you can choose for anyone according to your monthly premium and dental issues.
Is Dental Insurance Required in the US?
In the United States, you need to have separate dental insurance, as well as health insurance, to have free dental care coverage. Some non-profit NGOs and dental companies offer free dental service for a specific time period to the surrounding people for promotional purposes. Furthermore, basic dental care and prevention service is free for children and old people; however, adults have to have dental insurance for all kinds of dental care and treatment.
Who Is the Largest Dental Insurance Company?
According to the network participants, Delta Dental can be considered as the largest Dental Insurance Company in the United States. It has more than 54000000 participants in their wide network. That’s why it has also been providing a no-waiting period on preventive services and its plans are also available on state and federal exchanges. Apart from providing orthodontics for both children and adults, it does not have an upper age limit for braces coverage.
Takeaway
There are many top dental insurance companies in the US in 2022 like Delta Dental, Humana, Renaissance, Cigna and Spirit Dental & Vision. Each dental insurance company has its pros and cons, its special packages and the specific network of dentists. Some are operational in some states while others are operational in more than 50 states of the United States. You should consider everything before opting for a single dental insurance company. If you are looking for affordable insurance, then you may go with Humana or Cigna. On the other hand, if you want to have the advanced dental coverage for orthodontics too, go with Delta Dental.
