Best dental insurance that covers dentures in 2022 • Benzinga

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The Journal of Prosthetic Dentistry reports that more than 37.9 million Americans will need access to dentures in 2020.

If dentures are on your horizon, chances are you should also look to affordable dental insurance to help pay for them. Check out Benzinga’s guide to finding the best dental insurance that covers dentures.

Quick Look: Best Dental Insurance That Covers Dentures

Best Dental Insurance Providers That Cover Dentures

Switching to dentures is a serious investment and a solid dental insurance or savings plan can help pay for the change. Take a look at our top dental insurance providers that cover dentures.

1. Cigna

A dental savings plan never has a waiting period and you are guaranteed to be accepted. Cigna is best overall for denture coverage because its benefits balance wait time and cost savings.

Cigna’s CIGNAPlus Dental Savings Plan includes dentures. An individual plan costs $131.71 per year. Cigna claims you could save over 40% on the total cost of your dentures immediately, and most traditional insurance plans cover 50% after at least a one-year waiting period.

Cigna works with over 110,000 providers nationwide, so it’s possible to find a dentist who can partner with your plan for maximum savings.

  • Best for

    Affordable annual premiums

    Not all plans are available in all regions or for all customers.

2. Careton

Careington is another dental savings plan provider that can help you pay for denture work right away. The Careington 500 Series Dental Savings Plan lets you take advantage of your cash back immediately, and individual plans are only $131.71 per year.

You can save nearly 40% on dentures with the plan, and your preventive or minor routine dental work is also eligible for a discount. There is no authorization and no annual limits. Also, remember that savings plans do not require any claim documents. And what you pay at the office after your dental work is all you will pay.

  • Best for

    No annual maximum

    securely through the Careington Dental website

3. Human

Humana’s Dental Loyalty Plus PPO plan might be worth the wait. The first year of the Humana plan only covers 20% of your prosthetic bill, but in the 3rd year it will cover 50%.

Humana’s monthly premium averages $34.99, and the annual maximum increases from $1,000 to $1,500 between year 1 and year 3. You can see any dentist, but if you stay in network, you can save more than 25%.

In addition to denture coverage, this plan offers 100% preventive care coverage, your choice of dentist and a single deductible.

4. UnitedHealthcare

UnitedHealthcare dental plans allow you to purchase your own insurance, especially when dental care is not covered where you work. Most health plans don’t have options for dental care, and you’ll have to come here for help. Yes, you may have found a plan in the health care market, but you still need dental coverage.

Check with United to find out more about eligibility, and you’ll find that their plans cover:

  • Preventive care
  • Emergency care
  • Toppings
  • Root canals
  • Deductions

There is a vast network of providers to choose from. The carrier has no age limit and you pay the dentist directly – no need to wait for claims or additional bills to come in the mail.

  • Best for

    Large range of products

    securely through the UnitedHealthcare Dental website

5. Top Pick: Delta Dental

Delta Dental offers 2 options for denture coverage – Preferred Prime and Platinum Prime. Both are PPO plans and both require a 12 month wait for dentures. After the wait, both cover 50% of your prosthesis costs. The biggest differences are the monthly premiums and the annual maximums.

Preferred Prime offers an annual maximum of $1,000 and a monthly premium of around $40. Platinum Prime costs $57.22 per month, but the maximum is $2,000. Depending on your provider and the type of prosthesis you choose, Dental Dental can help you foot the bill.

Does dental insurance cover dentures?

Most dental insurance plans provide some coverage. Plans categorize dentures under restorative coverage, so 50% coverage of denture services is standard.

You may run into some limitations in your denture coverage under a standard policy, such as a 6 month to 1 year waiting period as a new patient. Most standard dental policies also have an annual limit of $1,000, which won’t even cover your denture bill.

You may not have coverage for major restorative procedures like dentures if you have a low premium or high deductible plan. Your best bet is to research a provider early on if dentures are going to be needed. Open enrollment is the perfect time to make the switch.

Types of dental coverage

You can find a wide range of dental coverage plans there. It’s normal to feel confused by the range of options. If you’ve never looked outside of what an employer offers, here’s a quick breakdown of the types of coverage you’ll come across in the market.

1. Preferred Provider Organization (PPO)

A PPO plan is insurance combined with a network of dentists who work with your insurance company. Your preferred insurance provider and dental providers agree to provide you with specified services for a flat fee. You must go to a preferred provider to ensure you have coverage.

2. Dental Health Maintenance Organization (DHMO)

DHMOs prepay contract dentists a certain amount each month for each patient assigned to that dentist. Dentists must then provide certain contractual services free of charge or at a reduced price to these patients.

The plan generally does not reimburse the dentist or the patient for individual services. You must receive treatment in a contracted office in order to receive a benefit.

3. Indemnity plans or traditional insurance

This type of plan is probably what comes to mind when you think about how insurance works. A dental indemnity plan – also known as traditional insurance – pays claims based on the procedures performed. The insurance company usually pays a fixed percentage of your costs.

Some plans let you choose your own dentist, but others require you to visit within a network like a PPO. Most plans have a maximum allowance for each procedure.

4. Direct refund

Reimbursement is a self-funded plan. You can go to the dentist of your choice. Some plans require you to pay the dentist directly and request reimbursement. Other plans pay the dental office directly. Reimbursement plans do not limit services – your limits depend on the total dollars spent.

5. Point-of-Service (POS) Plans

Point of service plans allow you to choose from providers – for a price. You will always designate a primary dental practice. But you have the option of finding out-of-network treatment. If you do, your reimbursement will be based on a low compensation schedule and your benefits will be less than if you had service in your network.

6. Rebate or Referral Plans

Discount and referral plans aren’t insurance, but they can still help you manage dental costs. The discount provider contracts with a group of dental practices and essentially sells you a card that allows you to get services at a discounted price. You pay the reduced rate when you receive care.

7. Exclusive Provider Organizations (EPO)

As the name suggests, Exclusive Provider Organization plans require you to only use participating dentists to be reimbursed by the plan. These plans strictly limit provider choices and access to care.

8. Table or appendix of indemnity plans

These plans pay a fixed dollar amount for each procedure, regardless of the actual costs. You are responsible for the difference between what your plan pays and what your dentist charges. Sometimes these plans are combined with a PPO so that dentists receive a maximum amount that patients can be charged.

Average cost of dental insurance that covers dentures

An individual dental policy costs on average about $350 per year. You can pay $500 or more for a family. Dental discount plans are about half that cost or even less. You will generally pay your dental insurance premium monthly, while a discount plan is an annual payment.

Many dental plans have an annual reimbursement cap – $1,000 to $1,500 is normal. Dental discount plans generally have no caps.

Cheaper dentures cost between $400 and $1,000 per slab (the top or bottom of your jaw), and custom dentures cost at least $2,500 per slab.

What to look for in a dental insurance provider

Whenever you buy insurance, pay attention to factors such as customer satisfaction and what you’ll end up paying for in premium each month. Strike a balance between the two – don’t overpay for services you don’t need, but don’t choose the cheapest provider if it doesn’t meet your individual needs.

The most important qualifications for dentures are whether the provider covers dentures and the annual reimbursement cap. Since annual caps are usually much lower than the cost of a set of dentures, dental discounts or savings plans may be the best way to save on dentures.

Find Denture Coverage Today

Whether you’re willing to wait or need help paying for your dentures soon, there’s a plan to meet your needs. Dental insurance may provide more comprehensive care over time, but a dental discount plan offers immediate savings with no period and guaranteed acceptance.

Shop around to weigh the time and money saved – enter your zip code to compare dental insurance quotes today.

Frequently Asked Questions

Q

How often is it recommended to consult a dentist?

A

It is recommended to visit a dentist every 6 months for a professional cleaning of your teeth.

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