Best Dental Insurance Plans
for Individuals Based on Your Needs

Are you looking for the best dental insurance plans for individuals? Thankfully, although finding the best dental insurance plan is never completely stress-free, it will be easier if you only have to keep your needs in mind.

There are all sorts of plans available — from cheaper plans that offer basic services, to more expensive plans that offer major restorative treatment.

In this article, we’ll go over all of your options for individual dental insurance plans and talk about things like:

• How individual dental insurance works
• The best dental plans for individuals
• Dental savings plans for individuals

…and more!

If you’re short on time, you can have a look at the table below where we’ve made a quick comparison of the best dental insurance plans for individuals.

You can browse the plans in the table, and many more, by going to dentalinsurance.com — the online dental insurance marketplace that makes it easy to find and enroll in the best plan for you.

Otherwise, keep reading to dive into the details.

How dental insurance works

The basic way in which dental insurance works can be summed up with the following:

• Dental insurance is like regular health insurance, but it only covers treatment costs related to your teeth, gums, and mouth. One of the most important parts of oral health is preventive care, and so many insurance plans offer free cleanings and checkups.
• Dental insurance doesn’t cover every procedure, however. Cosmetic procedures aren’t covered by insurance, and some plans won’t offer coverage for more expensive procedures like dental implants.
• There are many fees and caveats associated with dental insurance that go beyond the monthly premium, including deductibles, coinsurance, maximums, and co-pays.

You may think you don’t need dental insurance, especially if you don’t have dependents. And while you wouldn’t be alone (74 million Americans are without dental insurance) you also wouldn’t be right. It’s important to have some way, whether it be insurance, a discount plan, or access to sliding scale care, to prevent dental problems before they happen and take care of them if they do.

When talking about dental insurance and looking for your individual dental plan, it’s important to understand the terminology used, as this can have a big effect on what your coverage provides and how much you actually end up paying. So let’s have a look at some of the most important and common terminology:

• Waiting periods: This is the amount of time you will have to wait between signing up for coverage and when your dental insurance actually kicks in. Often, for preventive procedures, there is no waiting period, but for more expensive procedures, waiting periods can be anywhere from 6 months to 2 years.
• Deductibles: The deductible is how much you have to pay out of pocket before your insurance kicks in. If you have treatment costs of $2,000, but your deductible is $1,000, then you have to pay $1,000 on your own before your insurance starts to cover your treatment.
• Coinsurance: Once you’ve paid your deductible, your insurance will kick in. But that doesn’t mean it will cover 100% of the costs of your treatment. Instead, it will cover a percentage of your costs, which is called coinsurance. The exception is with preventive care, in which case your insurance might pay for 100% of the costs.
• Copays: A copay is a relatively low fee that you might have to pay in-office when you go to see the dentist. These typically range from $10 to $20.
• Yearly maximums: If your individual dental insurance plan has a yearly maximum, it means that that’s the most it will pay during a year for your treatment. For example, if your maximum is $2,000, and you have an expensive procedure that costs $4,000, then once your insurance has contributed $2,000, you’ll be responsible for the remaining $2,000.

Types of dental plans for individuals

There are various types of insurance plans you can choose from. These types of plans are the same regardless of the insurance provider you choose. Let’s have a look at the different types of plans now:

• PPO (Dental Preferred Provider Organization): A PPO has a network of dentists who have a contract with your insurance provider. The services that will be covered depends on your specific plan. With a PPO, if you see a dentist outside of the network, you’ll likely have to pay more.
• HMO (Dental Health Maintenance Organization): These plans are typically more affordable because they focus on preventive care, like cleanings and checkups. In return for lower costs, you will most likely have to use in-network dentists to receive insurance coverage, and the network with an HMO is usually smaller than it is with a PPO.
• EPO (Dental Exclusive Provider Organization): EPOs are also less expensive than PPO plans. You will typically have a smaller, local network of dentists to choose from. You may be able to see an out-of-network dentist for a medical emergency.
• POS (Dental Point of Service): With this type of plan, patients can visit out-of-network providers, although coverage will be less. Deductibles may be higher for these providers, but this type of plan can benefit people who want nationwide coverage.
• Dental discount/savings plan: This is not actually a type of insurance, but it is a way to get discounted dental treatment for a low monthly or annual fee. Since it isn’t insurance, there are no deductibles, maximums, or waiting periods.
• Managed fee-for-service: If you go this route, you can visit any dentist you like. They will bill your insurance, but you’ll be responsible at the time of treatment for paying the fee for the service you received.

How is dental insurance for individuals different?

If you’re not married, you don’t have dependents, and you don’t get insurance through your employer or you don’t want to, you can get an individual dental insurance plan.

In this case, you will only be paying for your insurance, and you can choose the exact benefits and coverage type you need for your specific oral health requirements.

Many people find that getting an individual dental plan is more affordable and more flexible than the other options available.

In the video below, Dr. Grey Kantor explains why you might want to opt for an individual dental insurance plan, even if you have the option of enrolling through your employer.

Best dental insurance for individuals

There is a vast array of dental insurance plans for individuals you can choose from. To help you wade through them all, we’ve selected some of the top dental insurance plans for individuals.

To get a better feel for the details of each plan, we’ve used the example of a 45-year-old individual who lives in Los Angeles.

Delta Dental for Everyone Gold PPO

This Delta dental plan for individuals features the following:

• Choose any dentist you want
• Yearly maximum $1,000
• Increase in benefits after the first and second year
• Disregards past dental history
• 12-month waiting period for major services
• Let’s you keep your plan no matter your age

Some other coverage features include:

• $47.25 monthly premium
• 60-100% coverage for cleanings
• 50-80% coverage for fillings
• Up to 50% coverage for restorative services
• 2 cleanings per year — 100% coverage after 3rd year and after deductible
• 2 exams per year — 100% coverage after 3rd year and after deductible

Humana Dental Bright Plus PPO

With the Humana Bright Plus PPO you get help maintaining your oral health with affordable preventive and basic services. Plus, there’s a rare $100 teeth whitening allowance included in this plan. Coverage features include:

• $26.54 monthly premium
• 100% coverage for cleanings
• 100% coverage for exams
• 60% coverage for fillings
• Major services aren’t covered
• $50 deductible per calendar year per individual

Renaissance Dental Plan II PPO

This individual dental insurance plan covers oral exams with x-rays and cleanings, and major services like crowns, bridges, dentures, and root canals. It also features:

• Ability to visit any dentist in the network
• No waiting periods on preventive services
• $1,000 maximum
• $50 deductible

Additional coverage features include:

• 50% coverage for cleanings
• 50% coverage for fillings
• 50% coverage for root canals

Finding an affordable dental insurance plan that actually covers what you need can be frustrating — but don’t worry, we’ve got you covered. We made this easy-to-use plan comparison tool that shows you the best plans for implants in your area. It takes just 10 seconds to fill out your details in the form below, so get started now!