The increasing cost of healthcare services today has made it vital for individuals to invest in an insurance policy that pays for both general consultation and medical emergencies. However, most insurance companies don’t include dental services in their policies. This is one of the reasons why you should also consider providers who offer standalone dental insurance that can pay for basic, preventive, and specialized orthodontic care.
Aetna, Cigna, and Humana are among the top insurance companies that offer a wide range of dental plans.
Aetna Dental® Insurance
Aetna Dental® Direct Plan is a prudent investment that offers good standalone coverage, meaning you don’t have to have Aetna medical or other coverage with the company necessarily to avail dental benefits. Moreover, it pays for the entire cost of your preventive treatment, including frequent checkups and routine procedures, under the PPO (Preferred Provider Organization) plans cover. You, thus, don’t have to worry about out of pocket expenses for the same. Aetna Dental® Direct has two exclusive PPO coverage plans:
- Aetna Dental® Direct Preferred PPO
You pay a deductible of $50/person or $150/family to avail coverage under the preferred PPO plan. Also, for preventive treatment, you don’t incur any coinsurance costs. And under the plan, you can avail an annual maximum dental benefit of $1250 per person. Coverage is valid for cleanings and X-rays under preventive care; filings, extractions, and basic restorative work under basic care; and a few major services including crowns, dentures, root canals, and bridge work.
- Aetna Dental® Direct Core PPO
Your deductibles and coinsurance for individual and family coverage remain the same under the core PPO plan. However, one of the key benefits is the low cost of premium for most services, unlike the preferred PPO, where only select services are affordable. The maximum annual benefit you can avail is limited to $1000 per person for preventive, basic, and major care.
Note that the type of services will vary depending on the state in which the coverage is available and the dentist providing services under the PPO plan. Prices may also vary.
Cigna Dental Insurance
Cigna offers affordable dental insurance that is valid across 90,000 dentists covered under their network. The national network is easy to access and offers hassle-free services to avail all the benefits under the scheme. Get the best rates on monthly premium, deductibles, and coinsurance with the following exclusive plans.
- Cigna Dental 1500
Pay as little as $35/month per person and avail dental insurance for both planned and unplanned dental services. Cigna offers an annual maximum benefit of $1500 (after deductibles and coinsurance) for restorative services and $1000 benefit for orthodontic consultations (basic care). Moreover, for preventive care, you don’t have to pay anything for consultations within the approved network. Deductible for individuals and families are capped off at $50/person and $150/family, respectively.
- Cigna Dental 1000
Under this scheme, you pay only $30/month per person to avail affordable coverage for preventive and restorative services. Unfortunately, orthodontia is not covered for both individuals and family but you can still avail certain in-network discounts. Preventive care under the network is already covered so you don’t have to pay extra. Under restorative care, you can avail a maximum benefit of $1000. The cost of deductibles is the same as the Dental 1500 plan.
- Cigna Dental Preventive
Preventive insurance is basic and covers just the necessities. You pay $19/month per person to avail the services covered under preventive care only across dentists mentioned in the network. There are no deductibles or coinsurance costs. Further, there is no exclusive coverage for orthodontia and restorative services.
Humana Dental insurance
Humana brings you the most affordable dental plans that include over 260,000 dentists under their pre-approved network. Avail preventive, basic, and major dental care services tailor-made to suit your individual and family requirements. You can choose from the following PPO plans with monthly premiums starting at just $17.99 approx. Note that prices will vary depending on the state you reside in and the insurance coverage available for select services.
- Preventive Value PPO
For a monthly premium of just $17.99 per person, avail excellent preventive care insurance from authorized PPOs in your state. The deductibles are set at $50/individual lifetime and $150/family lifetime policies. One of the key benefits of this plan is the fact that the company does not cap the annual maximum benefit. Note that the insurance covers only a select list of services.
- Bright Plus PPO
The Bright Plus PPO at $21.36 per person/month lets you save more with your insurance. The cost of deductibles and coinsurance remains the same but there is a limit on the annual maximum benefit. You can only avail $1250/individual to cover for your yearly dental costs.
- Dental Savings Plus
The dental saving plus is one of the most affordable options with the monthly premium set at just $7.99 per person. There are no deductibles under this plan and no annual maximum benefit available. Note that this scheme is more of a dental benefit and not an exclusive insurance service, best suited for people who are interested in just saving some money during their next appointment.
Note that the aforementioned prices and services offered by Aetna, Cigna, and Humana are for the state of New York. The plan details, pricing options, and discounts will vary depending on your current location and permissible laws of the state. You can get an online quote for every state where the company offers insurance services.