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Dental care is a must to maintain proper health, but it is not treated the same way as traditional healthcare plans. Dental plans often incorporate an annual maximum your provider will pay for coverage. If you exceed that amount, you are responsible for all additional costs—unless you sign up for a dental insurance plan with no annual maximum. These plans have no limits on what care your dental insurance provider will cover under your plan. Available via dental health organizations or discount dental plans, a plan with no annual maximum means your provider will pay for all of the care outlined in your policy.
However, plans can vary significantly from provider to provider. The best dental insurance plans waive the annual maximum and provide the coverage you want at a more affordable price. In addition to coverage options, a plan’s copays and deductibles can help save you money and make more detailed services easier to attain.
Best Overall : Physicians Mutual
Physicians Mutual strikes an attractive deal with expanded coverage, no deductibles, and no waiting period for preventive care.
Coverage for more than 350 procedures
No waiting period for preventive care
3-month waiting period for basic dental
12-month waiting period for major dental
Limited coverage for some procedures
Physicians Mutual is our pick for the best overall dental insurance plan with no annual maximum because of its multifaceted coverage and no waiting period for preventive care. Coverage with Physicians Mutual starts at around $30 per month for its basic plan, which can include more than 350 procedures, including preventive care and more serious dental needs like crowns and dentures. Even better, there is no waiting period for preventive care, so you can get started right away on cleanings, X-rays, and routine exams.
There are no deductibles with a three-month waiting period for basic procedures, but after three months, coverage kicks in for cavity fillings, minor surgeries, sedation, and simple tooth extractions. There is a 12-month waiting period for major work, including root canals, crowns, dentures, and surgical tooth extractions.
What also makes Physicians Mutual stand out is that there are no lifetime benefit limits on your plan. For those looking for more in-depth coverage, Physicians Mutual can be a great fit if you have the time to wait for coverage to kick in.
Most Affordable : Delta Dental
Delta Dental is a great pick when affordability is your top priority, thanks to low starting prices and plenty of policy extras to help you save.
Some plans have no deductibles
Delta Dental is our pick for the most affordable policies, offering affordable dental discount plans that are further boosted by limited premiums and free service for many everyday procedures. It is a provider known for discount dental plans like its Delta Dental Patient Direct and HMO plans like its DeltaCare USA.
Both plans prioritize affordability. Premiums begin around $33 per month for an individual and $108 monthly for a family of four. Delta Dental offers an upfront fee schedule for each of its plans, so you know exactly what you will need to pay depending on the service you need. For example, its low-priced Clear Plan in Washington state requires copays of $115 for fillings and non-surgical extractions, but you will have to pay up to $740 for your copay if you need a crown.
There generally is no waiting period for preventive care, but some more in-depth procedures may require some form of a waiting period. Some procedures are typically exempt from coverage, such as implants, but teeth whitening is available with some plans. Either way, it is always important to check your coverage to see what is included with your specific plan.
Delta Dental has a smaller network of dentists in some states, and you may have to pay substantially more for an out-of-network dentist. If you do not mind sticking to Delta Dental’s network, however, this could be a great choice for those who prioritize affordability in a dental plan.
Best Coverage : Humana
Humana offers members the best coverage and an extensive network, with complete preventive care. Affordable rates start at $18 a month for the Preventive Value plan.
Full coverage for preventive care
Large network of providers
Increasing member loyalty benefits
In-network providers required
Not all plans cover teeth whitening
Humana is best for coverage because its dental insurance plans make it easy to start your dental care with no waiting period required. You can choose the Dental Preventive Value plan for no annual maximum, although the terms of your plan may vary slightly based on the state in which you live. Humana offers 100% coverage for preventive care, which means routine cleanings and standard X-rays are included. Orthodontic coverage is also available in some plans in the form of discounts, but those include just up to 20% off services.
To help you save, there are no annual deductibles in the Dental Savings plan. There is a mandatory enrollment fee for most plans, although it is minor. Humana also requires a copay for office visits, but it offers a detailed fee schedule, so you understand what each visit may cost you. The provider also restricts your care to only the dentists in its network. However, it boasts one of the larger networks, with more than 335,000 participating dentists nationwide and a convenient online search tool, so you can pick the best provider for you.
Best for Major Dental Work : Careington
Careington focuses on multi-faceted dental discount coverage with savings of up to 60% to help with your major dental work.
Starting at $9 per month
DialCare Teledentistry option
Cosmetic service included
Not available in Vermont
Limited orthodontic coverage
Copays still required
Careington is prepared to help with your major dental work, offering discount dental plans with an upfront fee schedule that makes it easy to understand your coverage. There are no eligibility exclusions, although plans are not available in Vermont. Plans start at $8.95 per month or $89 per year with member savings of up to 60% off standard dental procedures.
In addition to overall affordability, Careington’s coverage is comprehensive, with no waiting period, and includes cosmetic services like braces, dentures, and teeth whitening. While orthodontic coverage includes braces, it provides only up to 20% off normal costs.
Careington also offers DialCare Teledentistry, which offers a new way to communicate with experienced and licensed dental providers. There is 24/7 support available 365 days a year via virtual consultations done over the phone or video chat. You can receive advice and even a diagnosis for everyday and urgent dental-related issues.
Best for Individuals : Aetna
When you have changing needs for your dental care, Aetna can offer the flexibility that you need.
No deductibles on savings plans
Ability to switch plans
Easy online enrollment
Must contact a rep for details
No orthodontic coverage for adults
Waiting period for major work
Owned by CVS Health, Aetna is a well-known provider for medical care, and it is our pick for the best coverage for individuals, thanks to full preventive care that includes cleanings and routine X-rays at no out-of-pocket cost. Members have access to a wide selection of providers, with more than 120,000 available across the country. Preventive care is included with coverage for even your sealant work, and Aetna plans offer up to 50% coverage for major dental work. There are also no deductibles on discount savings plans, although these may offer a little less coverage for major dental work than PPOs.
Another feature of Aetna is its Freedom-of-Choice option for group insurance plans, which allows members to switch between two plans on a monthly basis. It is an added flexibility that is rare among dental insurance providers. Aetna’s dental PPO plans start at $37 per month, and discount savings plans start at $8 a month. Coverage can begin immediately, but there is a waiting period of 12 months before you can use your benefits for major dental work.
Best for No Waiting Period : Cigna
With a network of more than 92,700 providers, Cigna can get you started on your preventive care right away with no waiting period for its dental insurance plans.
No deductibles on Cigna Dental Preventive
No copays for preventive care
No primary provider required
Waiting period of up to 12 months
No cosmetic coverage
Implants are out-of-pocket
Cigna is best when you need dental coverage immediately without any waiting periods. Its dental plans give access to full preventive care with no deductibles or copays required. Pricing begins at $19 per month, giving you access to more than 92,700 dentists in more than 309,000 locations across the U.S.
To help you find a provider, Cigna offers its proprietary Brighter Score feature, which uses an exclusive scoring model to rate dentists and specialists based on factors like services, pricing, and customer experience. Even better, you do not have to choose a primary provider, and there are no referrals required for specialists.
However, there is a waiting period of up to 12 months for major dental work, and coverage for cosmetic and implant services is missing from Cigna dental plans. Orthodontic services are available under the Cigna Dental 1500 plan under a $50 per person lifetime deductible with a $1,000 per person lifetime maximum. There is no waiting period for preventive care, but basic and major services, such as simple extractions, crowns, and root canal therapy all have waiting periods that can last anywhere from six to 12 months, depending on whether minor or major services are required.
From pricing to coverage and network, each dental insurance provider varies significantly in what it has available to offer to you with no annual maximums. A company like Delta is a fantastic choice when you don’t have time to wait, but others like Aetna and Humana may be a better fit when you are searching for comprehensive coverage that includes added services like root canals and orthodontics.
Physicians Mutual is our pick for the best dental insurance plan with no annual maximum. Coverage spans the entire country with half a million dental providers, so most members have little trouble finding a provider nearby. With coverage for more than 350 procedures, Physicians Mutual has comprehensive coverage with no deductibles and no waiting period for preventive care, offering the well-rounded coverage that could work best for your family.
Compare the Best Dental Insurance Plans With No Annual Maximum
|Company||Plans||Providers in-network||Deductible||Number of states available|
|Physicians Mutual Best Overall||3||500,000+||None||50|
|Delta Dental Most Affordable||5||155,000+||$50 for most PPO plans||50|
|Humana Best Coverage||3||335,000+||$50 for individuals $150 for families||50|
|Careington Best for Major Dental Work||4||90,000+||None||49|
|Aetna Best for Individuals||2||120,000+||None for discount plan||50|
|Cigna Best for No Waiting Period||3||92,700+||$50 for individuals $150 for families $0 for preventative plan||50|
How to Choose the Best Dental Insurance Plans With No Annual Maximum
There is much to consider when searching for the best dental insurance plan with no annual maximum. These are some of the most important factors to consider when shopping for a new insurance plan.
- Deductible: Before your insurance provider pays for coverage, there typically is a minimum deductible you must pay first. Be sure to check to see what deductibles apply to your plan, as some plans may not charge any at all.
- Coinsurance: After you pay your deductible, your coinsurance is the remaining amount that you and your insurer collectively pay.
- Premium: This is the amount that you pay for your plan. Depending on your insurance provider and your chosen plan, you may pay your premium each month or annually.
Do You Save Money With Dental Insurance Plans With No Annual Maximum?
When there is no annual maximum tied to your dental plan, you are able to receive an unlimited amount of coverage unless your plan stipulates otherwise. The monthly premiums may cost a bit more than your average dental plan, but you could save thousands in the long term through discounted services and copays.
Can I Receive Full Coverage With Dental Insurance Plans With No Annual Maximum?
There are two kinds of dental insurance plans that do not include an annual maximum. You can choose from either a dental health maintenance organization or a discount dental plan. While DHMOs limit service to their own networks, a discount dental plan uses group rates to offer the best discounts, usually through one’s employer.
How Much Do Dental Insurance Plans With No Annual Maximum Cost?
Pricing for dental insurance depends on several factors, such as your age, gender, and the plan you choose. For example, while Physicians Mutual’s plans begin around $30 per month, Careington’s plans start as low as $8.95 per month. Additional facets like deductibles, copays, and waiting periods all can impact price, so carefully consider what features and related costs are most important to you. An insurance agent also can help you review policy options so you can be sure to find the best dental insurance plan with no annual maximum cost for you.
We carefully weigh today’s leading insurance providers while giving careful consideration to critical factors like coverage, price, network, and service area. Our team compiles the latest policy information to offer an expert overview of each provider and its offerings, simplifying the process for you and your family.