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Homepage > Dental Insurance: Everything You Need To Know


So you have a toothache, and now it’s time to visit the dentist. Having dental insurance can significantly lower the costs involved with such visit and make sure you are not left with another kind of pain, the one in your pocket! That is why it is highly recommended to compare dental insurance quotes from multiple trusted companies and understand the different dental insurance policies and plans in order to save a significant amount of both time and money when that visit time arrives.

According to archaeological finds, it was quite uncommon for older humans to die with all of their teeth intact. If they died of old age, then they likely had little, or no teeth left. Dentistry is a relatively new concept in medicine, and doctors are only beginning to understand how different foods, chemicals, and lifestyle choices affect our teeth.

For example, one of the most well-known discoveries is that sugar is incredibly harmful to the enamel of the teeth. If you look at most of the food in your average American supermarket, though, almost all of it has sugar (even the "healthy" foods). Some of our juices and sodas also contain harmful acids that can literally dissolve teeth and lead to root canals.

With so much harmful food and beverages surrounding us, having a dental insurance plan is more important than ever!

But how much is dental insurance? Are there different types of dental insurance plans? What do dental care plans cover? What are some of the most common annual maximums that policyholders purchase?

In this article, we're going to go over some of the most commonly asked questions about dental insurance coverage, dental insurance cost, and different types of dental insurance plans you'll be able to choose from. Let's dive deeper!

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How To Get Dental Insurance: How To Compare Dental Insurance Plans

Applying for dental insurance is pretty easy and straightforward. Many people choose to add it to their existing health insurance or life insurance plan. However, you could get a cheap dental insurance health plan by simply shopping around and comparing dental insurance quotes online using our friendly tool.

Once you get a quote for a plan that fits your needs through one of the provided options, you'll usually be required to make a down-payment (usually your first month's premium cost), sign some digital paperwork, and you'll be good to go!

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How Much Does Dental Insurance Cost Per Month?

Dental insurance cost per month in America is around $29 per month, or $350 per year. However, your dental insurance rates will vary depending on your state requirements and your desired coverage. 

Depending on the condition of your teeth or your desired policy coverage, you could pay less (as little as $13 per month) or more (a monthly premium of $58 or more). Most dental plans feature a deductible that you have to pay a certain amount of out-of-pocket costs before they step in and cover the rest of the expenses.

In general, the healthier your teeth are, the cheaper getting dental insurance is. Most insurance companies require you to get a basic dental exam (with X-rays) to prove your teeth’ quality and give you a more accurate dental insurance quote.


What is The Best Dental Insurance?

When applying for dental health care plans, you'll typically be able to choose between basic and major coverage options. For example, if you're young, have healthy teeth, and just want a simple dental plan to cover preventative care (annual cleanings and X-rays, cavities), then your monthly premium will likely be quite affordable.

However, the best dental insurance plans cover both preventive care and orthodontic care. This means that if you chip a tooth, need a tooth extracted, a root canal, or other more expensive procedures; these will be covered by your dental insurance plan.

You may also have shorter waiting periods when it comes to receiving treatment! However, these advanced dental insurance plans are a bit more expensive than a standard preventive care plan.

How Do Dental Insurance Plans Work?

Dental insurance works just like your health insurance plan. The most common plan is a Preferred Provider Organization (PPO plans), where you'll be able to see in-network dentists and pay a reduced cost. If you choose to go to an out-of-network dentist, though, you'll end up paying a higher cost for treatment.

So let's just say that you have a PPO plan with a $500 deductible and are eligible to receive 60% coverage by going to in-network dentists.

This means that if your total dental bill is $1,000, you'll have to pay $500 out-of-pocket and then pay 40% of the remaining amount ($200). Since you've already paid your yearly deductible, you'll just have to pay 40% of all future treatments.

Dental insurance plans also typically come with a maximum coverage amount. This means that the insurer will only provide payment up to a certain amount per year. Suppose your annual maximum is $2,000. This means that the insurance company will only cover up to $2,000 per year in treatment costs.

Of course, these are just sample numbers. When you're applying for your policy, you'll be able to negotiate all of these numbers. If you want a higher deductible, you'll usually pay lower monthly premiums; if you want a lower deductible, you'll typically pay higher premiums.

How To Get Dental Implants Covered By Insurance?

Most dental insurance providers do not cover the cost of dental implants. This is because implants are considered cosmetic procedures and are not required for your overall health. However, if you want to get your dental implants covered by your plan, then your best bet is to sign up for a cosmetic coverage plan.

These plans not only cover preventive maintenance but may also cover up to 50% of the cost of your dental implants if you visit an in-network oral surgeon. The main disadvantage of cosmetic dentistry plans is that they typically come with a higher deductible and a higher monthly premium.

What Does Dental Care Cover?

The most common type of dental care is preventive care. As we mentioned above, these plans typically cost an average of $350 per year and cover the basics that most people need to keep their teeth healthy.

However, if you foresee problems coming in the near future, then you may want to apply for a more advanced plan that's able to cover higher-cost treatments such as tooth extractions and root canals. While these plans can be more expensive, they'll often save you a lot of money in the long run.

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