Best Dental Insurance Companies

Cigna offers the most diverse dental insurance plans

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

A dental insurance company plan helps to cover the costs of preventative dental care while softening the blow on pricier dental procedures like crowns, bridges, and fillings. It’s important to shop around to find a dental insurance company that offers plans that provide the amount of coverage you need without  low annual caps or exclusions that can prevent you from getting any value. 


The best dental insurance plans provide access to a broad network of dentists, reasonable annual benefit maximums, and the potential for low premiums. When searching for the best dental insurance company make sure you carefully compare and review the dental policies you are considering so you know exactly what is and is not covered.

Best Dental Insurance Companies of 2021

Best Overall : Cigna


Cigna

Cigna

  • Policy Types: 3
  • Coverage Limit:$1,500
  • States Available: 50
Why We Chose It

We chose Cigna as the best overall dental insurance due to its broad network of over 90,000 dentists and diversity of plans that can fit a variety of needs and budgets.

Pros & Cons
Pros
  • Some plans include restorative & orthodontic coverage

  • Broad network of over 93,000 dentists nationwide

Cons
  • Waiting periods of six to 12 months for major services

  • Dental implants and cosmetic procedures not covered

Overview

Cigna is a global health service company with high marks for financial strength, including an A rating from both AM Best and Standard & Poor’s. Their dental plans work within a nationwide network of over 93,000 dentists, and they offer phone support 24/7 every day of the year. Furthermore, Cigna dental insurance for individuals comes with no copays and no deductibles for preventive care with in-network dentists.

Cigna’s dental Preferred Provider Organization (DPPO) plans are available to consumers of all ages, and pricing is offered on a per person, per month basis. Cigna also lets customers choose a level of care based on their needs, with some plans offering orthodontic care and restorative care at a higher price point. 

While the cost for Cigna dental insurance can vary depending on where you live, these quotes can help you get an idea of general pricing:

Plan  Pricing per person, per month Preventative care covered? Restorative care covered? Orthodontic care covered? Deductible
Cigna Dental 1500 Starting at $35 Yes Up to $1,500 per year Up to $1,000 per year $50 for individuals and $150 for families
Cigna Dental 1000 Starting at $30 Yes Up to $1,000 per year No $50 for individuals and $150 for families
Cigna Dental Preventative Starting at $19 Yes No No None

Read the full Cigna review

Runner-Up, Best Overall : Renaissance Dental


Renaissance Dental

 Renaissance Dental

  • Policy Types: 4
  • Coverage Limit:$1,000
  • States Available: 50
Why We Chose It

Renaissance Dental does not have the same comprehensive coverage as Cigna, but it gets the runner-up spot due to the fact they have a bigger network (300,000+ dental offices) and an excellent reputation for customer service.

Pros & Cons
Pros
  • Some plans cover preventive care at 100%

  • 300,000 dental offices nationwide

  • Free online quote

Cons
  • Plans have annual max benefit of $1,000/person

  • None of the plans cover orthodontic care

  • Coverage for basic and major services is limited

Overview

Renaissance Dental works with a network of 300,000 dental offices nationwide, and in-network dentists who use this insurance will file paperwork and claims on your behalf. This company's customer service is known for its quality, and they have several different plans for individuals and families that offer varying levels of coverage and inclusions to meet consumers' needs.

Renaissance Dental has an A rating from AM Best, so you can feel confident in this company’s financial strength. They also make it easy to get a free quote online no matter where you live, so shopping around to compare plans is simple and convenient.

Note that not all Renaissance Dental plans cover preventive care at 100%, and some waiting periods apply for restorative care and major services. Annual maximum benefits for all Renaissance Dental insurance plans are limited to $1,000, and a $50 deductible for individuals or a $150 deductible for families applies to all their plans.

Best for No Waiting Periods : Spirit Dental


Spirit Dental

 Spirit Dental

  • Policy Types: 2
  • Coverage Limit:$5,000 after 3 years
  • States Available: 50
Why We Chose It

We chose Spirit Dental because their plans don’t require any waiting periods and you only have to pay a $100 deductible once instead of every year.

Pros & Cons
Pros
  • 100% coverage for three cleanings and two exams annually

  • No waiting periods

  • $100 lifetime deductible

Cons
  • Annual coverage maximums can be as low as $750


  • Plans vary widely on annual maximums and costs 


Overview

Spirit Dental offers dental insurance plans with no waiting periods and annual maximum benefit amounts that increase after you’ve had your plan for a few years. They guarantee acceptance for everyone, and you can even get coverage for major services and dental implants.

Spirit Dental is offered through Ameritas Life Insurance Corp., which has an A+ rating from Standard & Poor’s and an A rating from AM Best for financial strength. Spirit’s partnership with Ameritas also means this company works with one of the largest networks of dentists worldwide. Currently, you can choose from 111,500 dental providers at 428,000 access points nationwide.

Along with having no waiting periods, Spirit Dental charges a one-time $100 deductible, compared to the annual deductibles most coverage providers charge. Spirit offers several dental insurance plans for individuals, they include no waiting periods, preventive coverage, three cleanings per year, and even orthodontics for kids, with up to a $5,000 annual maximum benefit after you’ve been a customer for three years.

How much you’ll pay for coverage can vary depending on where you live. However, these quotes show how much you might pay for an individual plan in the state of Indiana:

Plan  Pricing per person, per month Preventative care covered? Basic and Major care covered? Annual maximum benefit
Network 750/1000/1250 Starting at $27.60 100% Basic care at 50%, 60%, and 80% in years one, two, and three; Major services at 25%, 30%, and 50%, in years one, two, and three $750 in year one, $1,000 in year two, and $1,250 in year three
Network 3500 Starting at $42.39 100% Basic care at 65%, 80%, and 90% in years one, two, and three; Major services at 10%, 50%, and 65%, in years one, two, and three; Orthodontic care for children ages 18 and younger at 10%, 25%, and 50%, in years one, two, and three $3,500
Choice 1200 Starting at $45.06 100% Basic care at 50%, 65%, and 80% in years one, two, and three; Major services at 25%, 50%, and 50%, in years one, two, and three; Orthodontic care for children ages 18 and younger at 10%, 25%, and 50%, in years one, two, and three $1,200
Choice 1200/2500/5000 Starting at $59 100% Basic care at 50%, 60%, and 80% in years one, two, and three; Major services at 20%, 30%, and 50%, in years one, two, and three; Orthodontic care for children ages 18 and younger at 10%, 25%, and 50%, in years one, two, and three $1,200 in year one, $2,500 in year two, and $5,000 in year three

Best Value : Humana Dental Insurance


Humana Dental Insurance

 Humana Dental Insurance

  • Policy Types: 5
  • Coverage Limit: $1,000 to unlimited
  • States Available: 50
Why We Chose It

We chose Humana as the best value due to their low starting rates for basic plans, the fact that preventive services are covered at 100%, and their one-time deductible.

Pros & Cons
Pros
  • Plans include preventive care at 100% coverage

  • Humana works with over 260,000 dentists nationwide

Cons
  • Annual maximum benefits can be as low as $1,000

  • Some plans have long waiting periods for basic/major services

Overview

Humana offers PPO, DHMO​, discount, and value plans at varying price points that can make sense for consumers with unique dental care needs. The company currently has an A- rating from AM Best, which means they are fairly solid in terms of financial strength.

You can select from more than 260,000 dentists across the United States, but you should note that plans, coverage amounts, and specifics of each policy can vary widely depending on where you live. Regardless of these differences, what sets Humana apart is their value pricing and provision for 100% coverage for preventive care.

Some dental insurance from Humana features a lifetime deductible, usually $50 for individuals and $150 for families, while other plans charge an annual deductible. Also, note that maximum benefit amounts for this coverage can range from $1,000 to unlimited depending on the policy you choose. Waiting periods can also apply, including a six-month waiting time for basic services and up to 12 months for major services.

If you’re wondering how much dental insurance from Humana might cost, consider these quotes for a 40-year-old individual in Indiana:

Plan  Pricing per person, per month Preventative care covered? Basic and major care covered? Deductible Annual maximum benefit
Dental Preventative Plus PPO Starting at $17.99 100% Basic care at 50%; No coverage for major services $50 for individuals and $150 for families $1,000 per individual
Dental Loyalty Plus PPO Starting at $31.99 100% Basic services at 60%, 45%, and 30% in years one, two, and three; Major services at 80%, 70%, and 50% in years one, two, and three $50 for individuals and $450 for families $1,000 per person in year one, $1,250 in year two, and $1,500 in year three
Complete Dental PPO Starting at $40.99 100% Basic care at 20% and major services at 50% $50 for individuals and $150 for families $1,250 per individual in year one and $1,500 in year two

Best for Families : UnitedHealthOne Dental Insurance


UnitedHealthOne Dental Insurance

 UnitedHealthOne Dental Insurance

  • Policy Types: 10
  • Coverage Limit:$3,000
  • States Available: 50
Why We Chose It

UnitedHealthOne is our pick as best for families thanks to their winning combination of preventive care and orthodontia coverage that can really save families a lot of money.

Pros & Cons
Pros
  • Broad network of dentists available

  • Many plans include 100% preventive care


  • Some plans cover orthodontics

Cons
  • Annual maximum benefit amounts as low as $1,000/person


  • Waiting periods may apply for basic and major services 


Overview

UnitedHealthOne offers dental insurance plans with no age limit and preventive care covered with no deductibles or waiting periods. Note that UnitedHealthOne is part of the UnitedHealth Group, a Fortune 500 company. Policies may be underwritten by the Golden Rule Insurance Company, a subsidiary of UnitedHealth Group. The group has an A rating from AM Best for financial strength.

Dental insurance plans, including coverage amounts and other details, can vary widely with UnitedHealthOne depending on where you live. However, this company does make it easy to get a free quote online without any medical underwriting.

Some plans from UnitedHealthOne require a waiting period of four months or longer for basic care and major services, although details can vary based on where you live. Some higher-tiered plans offer orthodontic coverage, although lower-tier plans may not cover major services like braces, crowns, and bridgework at all. Be aware that annual maximum benefits for some of their plans can be as low as $1,000.

If you’re curious how much one of UnitedHealthOne’s plans might cost in your area, consider these dental insurance quotes for a 40-year-old individual:

  Plan Pricing per person, per month Preventative care covered? Basic and major services covered? Deductible Annual maximum benefit
Essential Dental Starting at $19.13 per month 80% during year one, 90% in year two, and 100% in year three Basic services at 50%; No coverage for major services $50 per person $1,000 per person
Premier Choice Dental Starting at $36.46 per month 100% Basic services at 50% in year one, 65% in year two, and 80% in year three; Major services at 10% in year one, 40% in year two, and 50% in year three $50 per person $1,500 per person
Premier Max Dental Starting at $44.24 per month 100% Basic services at 40% after 4-month waiting period; Major services at 50% after 12-month waiting period $50 per person $3,000 per person

Best for Seniors : Physicians Mutual


Physicians Mutual

 Physicians Mutual

  • Policy Types: 3
  • Coverage Limit: Unlimited
  • States Available: 50
Why We Chose It

We chose Physicians Mutual for seniors since there are no annual or lifetime limits on the coverage, including benefits to help pay for dentures, and they offer specialized pricing for a senior's budget.

Pros & Cons
Pros
  • No waiting period for preventive care


  • No annual or lifetime limits on benefits

  • No deductibles

Cons
  • Three month waiting period for basic procedures


  • 12 month waiting period for major work


  • Some plans limit how much it will pay per procedure  


Overview

Physicians Mutual dental insurance can be trusted for their financial strength since the company has an A rating from AM Best. This provider also has plans that can be particularly good for seniors since they include coverage for up to 350 procedures including crowns and dentures.

Physicians Mutual dental insurance doesn’t have any deductibles, and coverage for preventive care like cleanings starts right away. A waiting period of three months applies to basic care like fillings and extractions, however, and a 12-month waiting period applies to major services like crowns and root canals.

Interestingly, Physicians Mutual policies come with no annual or lifetime benefit limits on your coverage, and you can choose your dentist from their network of over 500,000 providers.

Physicians Mutual offers three basic dental insurance plans. These include:

  • Economy Plus plan starts at $30.10 per month
  • Standard Plus plan starts at $37.80 per month
  • Preferred Plus plan starts at $46.75 per month

With each of these options, you’ll be reimbursed for preventive care, basic care, and major services at a set cost based on the plan you select. Economy Plus plans reimburse at a lower rate, whereas Preferred Plus plans reimburse at the highest rate.

Best for Orthodontics : Delta Dental


Delta Dental

 Delta Dental

  • Policy Types: 5
  • Coverage Limit:$1,500 to unlimited 
  • States Available: 50
Why We Chose It

Delta Dental has several dental insurance plans that include orthodontic care for both children and adults, whereas most other providers don't have multiple, affordable orthodontia choices.

Pros & Cons
Pros
  • Some plans include orthodontic care


  • No out-of-pocket cost for preventive care on most plans

  • Large network of providers

Cons
  • Annual maximum benefit amounts are low

  • Orthodontic care is only covered at 50%


Overview

Delta Dental belongs to one of the nation’s largest dental provider networks, which makes it easy to choose from more than 154,000 dentists in their networks. Delta Dental also boasts an A rating from AM Best—a testament to the financial strength of the company.

While plan details vary from state to state, Delta Dental offers several different types of insurance, including options that cover orthodontic care. With their individual PPO plans, for example, orthodontics are covered at 50% for children and adults. A $50 deductible applies, as does a $1,500 annual maximum for care.

Preventive care like cleanings and X-rays is covered at 100%, and all basic and major services including root canals, implants, and crowns are covered at 50%. 

Pricing for Delta Dental policies varies depending on where you live, but a PPO plan that includes orthodontic care starts at $64.92 monthly for individuals and $213.34 per month for an average family of four.

Final Verdict

There are lots of options when it comes to dental insurance companies. Some companies, like Renaissance Dental and Delta Dental, provide plans that cover 100% of preventive care, while others, like Spirit Dental and Physicians mutual offer plans with no waiting periods. But overall, the best dental insurance company is Cigna. 


Cigna has a broad network of over 93,000 dentists available nationwide, and all of its dental insurance covers preventative care with no deductibles or copays. Plus, with Cigna, customers can choose a level of care that is based on what they actually need with some plans offering orthodontic and restorative care for a higher price.

Compare the Best Dental Insurance Companies

Company Coverage Limit Providers In-Network Plans Deductible States Available
Cigna
Best Overall
$1,500 for restorative care
$1,000 for orthodontic
93,000 3 $50 individuals
$150 families
$0 for preventative plan 
50
Renaissance Dental
Runner Up, Best Overall
$1,000 300,000 4 $50 for individuals
$150 for families 
50
Spirit Dental
Best for No Waiting Periods
$5,000 after 3 years 111,500 2 One time $100 deductible  50
Humana Dental Insurance
Best Value
$1,000 to unlimited 260,000 5 $50 for individuals
$150 families
50
UnitedHealthOne Dental Insurance
Best for Families
$3,000 Not available 10 $50 per person 50 
Physicians Mutual 
Best for Seniors
Unlimited  500,000 None 50
Delta Dental
Best for Orthodontics
$1,500 to unlimited 154,000 5 $50 for PPO plans 50 

Frequently Asked Questions

What Is Dental Insurance?

Dental insurance provides a range of coverage for various dental procedures including preventive care and more involved services like fillings, crowns, and root canals. Like other types of insurance, dental insurance requires you to pay a monthly insurance premium, and you may also pay an annual or lifetime deductible as well as copayments when you visit a dentist for care.

Still, dental insurance works differently than health insurance in terms of how much coverage you can receive. Where the passage of the Affordable Care Act (ACA) meant limits can no longer apply to health care coverage in any given year, dental insurance plans often come with annual limits as low as $750 or $1,000 per person. Once your annual maximum benefit amount is met, you will have to pay for dental care out of pocket. Also note that dental insurance frequently comes with waiting periods that can vary depending on the type of care you need.

Make sure you don’t confuse dental insurance with dental discount plans. Dental discount plans only offer reduced pricing on services for dentists in a specific network. 

What Does Dental Insurance Typically Include?

Dental insurance plans can vary widely, and this includes what they will and will not include. For this reason, you should read over the terms and conditions of any plan you’re considering to make sure that basic care like fillings as well as major services like crowns and bridges are included in your coverage.

For the most part, the majority of dental insurance plans cover preventive care like cleanings and X-rays at 100%, although waiting periods may apply. Coverage for basic services like fillings, root canals, and tooth extractions is also included, although it’s normally limited to a percentage of the cost (i.e., 50%). You can also buy coverage that includes major services like crowns, bridges, dental implants, and orthodontics, although plans that cover major services tend to cost more and limit the payout to 50% in most cases.

What Does Dental Insurance Typically Exclude?

Dental insurance doesn’t normally cover cosmetic procedures like teeth whitening, and you may also struggle to find coverage for pre-existing conditions such as missing teeth. Some plans leave out major services like dental implants and orthodontic care altogether. Make sure to read over your dental insurance policy to see what it includes and excludes.

What Are the Expected Costs of Dental Insurance?

The cost of dental insurance varies widely depending on where you live, your age, and the plan you select. However, it may be possible to find a plan that costs less than $20 per month for an individual depending on your state and county. 

Note that less expensive dental insurance plans tend to cover only a small percentage of services and come with low annual benefit limits. More robust plans can easily cost more like $40 to $60 per month for an individual, although you’ll get more coverage, higher annual benefit amounts, and more included services in return. 

Is Paying for Dental Insurance Worth It?

Only you can decide if paying for dental insurance is worth it. However, you should take the time to run some basic cost analysis to determine how much you would pay for dental insurance premiums, copayments, and deductibles per year versus how much you’ve actually paid for dental care in previous years.

According to an analysis from the American Dental Association, most people would actually be better off paying for dental care out of pocket. “For the majority of adults, total copayments, coinsurance, and premiums exceed the ‘market’ value of their dental care,” they write.

Also, keep in mind that you’ll get a lot more value out of your dental insurance plan if you actually use it. The ADA says that more than one out of three adults with dental insurance don’t use their plan, which could be part of the reason many aren’t getting enough value for the money they invest in dental insurance each month.

Methodology

We looked at more than 20 dental insurance plans to come up with the providers in our ranking. Not only did we look for plans with the broadest networks of dentists available, but we also looked for plans with reasonable annual benefit maximums and the potential for low premiums. While many of the plans on our list come with waiting periods, we tried to select providers that don’t list cumbersome waiting periods that make using coverage difficult. 

We also looked for dental insurance companies with strong ratings in terms of their financial strength, mostly by comparing ratings from Standard & Poor’s and AM Best.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Cigna. "Financial Strength and Credit Ratings." Accessed March 8, 2021

  2. Renaissance Family. "AM Best Affirms A (Excellent) Ratings for Renaissance Insurance Companies." Accessed Mar. 8, 2021.

  3. Spirit Dental & Vision. "About the Carrier." Accessed Mar. 8, 2021.

  4. Businesswire. "AM Best Affirms Credit Ratings of Humana Inc. and Majority of Its Health Subsidiaries; Maintains Positive Outlooks." Accessed Mar. 8, 2021.

  5. Fortune. "Fortune 500: United HealthGroup." Accessed Mar. 8, 2021.

  6. AM Best. "A.M. Best Upgrades Issuer Credit Ratings of UnitedHealth Group Incorporated and Its UnitedHealthcare Subsidiaries." Accessed Mar. 8, 2021.

  7. Physicians Mutual. "Financial Strength." Accessed March 8, 2021.

  8. Businesswire. "AM Best Affirms Credit Ratings of Delta Dental of California and Its Affiliates." Accessed Mar. 8, 2021.

  9. American Dental Association. "An Analysis of Dental Spending Among Adults with Private Dental Benefits." Accessed Mar. 8, 2021.