The rising cost of healthcare services today has made it vital for individuals to invest in insurance that pays for both general consultations and medical emergencies. However, most insurance companies do not include dental care services in their policies. This is one of the reasons why you should also consider providers that offer separate dental insurance that can pay for basic, preventive and specialized orthodontic treatment.
Aetna, Cigna, and Humana are the top insurance companies that offer a wide variety of dental plans.
Aetna Dental® Insurance
The Aetna Dental® Direct Plan is a smart investment that offers good separate coverage, meaning you may not need to have Aetna medical or other insurance with the company to receive dental benefits. In addition, it pays for all preventive care costs, including regular checkups and routine procedures under Preferred Provider Organization (PPO) plans. So you 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 Primary PPO
You pay a deductible of $50/individual or $150/family to access coverage under a primary PPO plan. Preventive treatment also does not incur co-insurance costs. And the plan allows you to use a maximum annual dental benefit of $1,250 per person. The warranty is valid for cleanings and x-rays performed in preventive care; filing, removal and basic repair work in primary care; and a few important services such as crowns, dentures, root canals and bridgework.
- Aetna Dental® Direct Core PPO
Your deductible and coinsurance for personal and family coverage remain the same in the core PPO plan. However, one of the main benefits is the low premiums for most services, unlike a primary PPO where only certain services are affordable. The maximum annual benefit you can use is limited to $1,000 per person for preventive, basic and major care.
Note that the type of services will vary depending on the state in which 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 within a network of 90,000 dentists. The national network is easy to use and offers a hassle-free service to take advantage of all the benefits of the system. You get the best monthly payments, deductibles and co-insurance with the following exclusive contracts.
- Cigna Dental 1500
Pay just $35 per month per person and use dental insurance for both scheduled and unscheduled dental services. Cigna offers a maximum annual benefit of $1,500 (after deductibles and coinsurance) for corrective services and a $1,000 benefit for orthodontic care (basic care). In preventive treatment, you also do not have to pay anything for consultations in an approved network. Deductibles for individuals and families are $50/person and $150/family.
- Cigna Dental 1000
Under this plan, you pay just $30 per month per person to get affordable coverage for preventive and remedial services. Unfortunately, orthodontic treatment does not cover both individuals and families, but you can still take advantage of certain in-network discounts. Preventive care under the network is already covered, so you don’t have to pay extra. In rehabilitative treatment, you can receive a maximum benefit of $1,000. The price of the deductible is the same as in the Dental 1500 plan.
- Cigna Dental Preventive
Preventive insurance is basic and only covers necessities. You pay $19 per month per person if you want to use services covered by preventive care only at in-network dentists. No excess or co-insurance costs. In addition, there is no exclusive right to orthodontic treatment and corrective services.
Humana Dental insurance
Humana brings you the most affordable dental plans with over 260,000 dentists under its pre-approved network. Take advantage of preventive, basic and major dental care services tailored to your individual and family needs. You can choose from the following PPO plans with monthly premiums starting at just around $17.99. Please note that prices vary depending on your state of residence and insurance coverage for certain services.
- Preventive value PPO
Take advantage of great preventive care coverage from authorized PPOs in your state for just $17.99 per person per month. The deductible is $50/individual lifetime and $150/family lifetime coverage. One of the main advantages of this plan is that the company does not limit the maximum annual benefit. Please note that the policy only covers a specific list of services.
- Bright Plus PPO
Bright Plus PPO at $21.36 per person/month allows you to save more on your insurance. The costs of deductible and co-insurance remain unchanged, but the maximum annual benefit has a limit. You can spend as little as $1,250/person to cover annual dental expenses.
- Dental care savings
Dental Savings Plus is one of the most affordable options, with a monthly fee of just $7.99 per person. This scheme has no deductible and no maximum annual benefit is available. Please note that this scheme is more of a dental benefit and not an exclusive insurance service, best suited for people who are interested in saving money during their next appointment.
Please note that the rates and services provided by Aetna, Cigna and Humana above are for New York State. Plan details, pricing options and discounts vary based on your current location and state permitting laws. You can get an online quote for every state where the company offers insurance services.