Dental Insurance Trends in Top 5 States


LOS ANGELES, November 2, 2022 /PRNewswire/ —, the pioneer of competing insurance companies in a single online marketplace, today released analyzes of dental insurance trends in the five most populous states, covering financial considerations ranging from premiums and annual caps on benefit expenses to deductible amounts. The states reviewed were California, Texas, Florida, New Yorkand Pennsylvania and rate data was current to last month.

Californiawith 43, had the most plans overhauled, followed by Pennsylvania with 38. Texas and New York the two had 35 dental plans reviewed and Florida 34. The plans reviewed in Pennsylvania had the lowest average premium at $37.17 for single coverage. Californiaon the other hand, had an average of nearly 22% higher than $47.61. The average monthly premiums in New York and Texas ($39.31, $39.25) were very close to Pennsylvania average while florida was higher $41.92.

Although dental plan offerings varied by region, all states had a wide range of prices to suit a variety of budgets. At the lower end of the price range were plans such as MetLife’s TakeAlong Dental Low HMO, which could be found in parts of New York for as little as $5.10 a month. In FloridaGuardian’s Managed DentalGuard has been listed at $8.06 in many areas. In the five states, find dental coverage options below $10 a month. These low-cost options were HMO plans and dental discount programs, both of which had narrow dental networks with no coverage for work provided by out-of-network dentists.

Dental insurance and OPP dental indemnity plans were generally more expensive, but offered greater flexibility for consumers to use their preferred dentists. These plans had caps (known as the “maximum benefit”) on the amount an insurer would pay for dental care each year. Plans reviewed for New York had the lowest maximum profit at $1,571 annually while Pennsylvania had the highest $1,720. For individual plans, the the lowest maximum benefit was $500 per year and the most generous was $5,000. Neither HMO plans nor dental discount programs had a maximum benefit limit.

Individual deductibles ranged from $0 at $150 among the plans examined. The plans in the New York analysis had the lowest mean, at $50 for a single subscriber. Pennsylvania were at the top of the scale $66. Family policies often had one deductible per affiliate, although some capped the family deductible (eg, no more than three deductibles per family).

In all states, there is no standardized design of dental benefits. Some plans have comprehensive benefits covering preventative care, minor care (eg, fillings), and major care (eg, crowns, root canals, and implants). Others limit their covered services to preventive care and minor care. Many plans provided a waiting period for dental insurance before an expensive dental service was available for insurance coverage. These waiting periods can last several months or exceed a year. In Florida38% of plans reviewed had no waiting period. Orthodontics and cosmetic dentistry are rarely covered by dental plans, although an increasing number have introduced some teeth whitening benefits.

Given the differences in covered services (and the waiting periods that may accompany them) between dental plans, consumers are strongly encouraged to assess the details of a plan’s coverage and not shop solely on the monthly premium. Uncovered services and waiting periods may result in high out-of-pocket dental expenses. also provides a free guide to 6 ways to lower your annual dental costs.

More data from’s analysis for each state can be viewed via the following links:

dental insurance in california
Texas Dental Insurance
Dental Insurance in Florida
New York Dental Insurance
Pennsylvania Dental Insurance

Launched in 2001 by Mark Kelsey, is the pioneer of the online dental insurance market. is headquartered in Los Angeles, Californiaand has an A+ rating from the Better Business Bureau and a 4.8 out of 5 star rating on TrustPilot.



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