Best Dental coverage Health insurance
The top performers in our review are Delta Dental, the Gold Award winner; Guardian, the Silver Award winner; and Humana, the Bronze Award winner. Here’s more on choosing insurance to meet your needs, along with detail on how we arrived at our ranking of 10 dental insurance companies.
Many people ask themselves if dental insurance is worth it. Through our research for these dental insurance reviews we learned that if you attend preventive exams every six months, it is usually financially beneficial. If you need additional procedures such as root canals, crowns or fillings, then you will realize even more cost saving by having a good dental insurance plan.
What Does Dental Insurance Cover?
Most full coverage dental insurance plans will cover two preventive maintenance visits per year without requiring a deductible payment. Most require a $50 deductible per person, per year to help cover costs beyond your preventive exams. If you need work done, most plans will cover a part of the costs. We looked at root canals specifically and found that the majority of dental plans will cover about half the cost, which may not seem like a lot, but paying half is better than paying upfront for an $800 root canal. However, keep in mind that most insurance policies, depending on your plan, top out at about $1000 to $1500 per year. Using conservative estimates that might be one or two root canals. If you need extensive work done you might have to pay the remaining amount out of pocket.