Dental Insurance Plans in Minnesota

Cosmetic dentistry is generally not covered by dental insurance plans in Minnesota, as these procedures are often considered elective. It’s important to review your plan’s details to understand what is included. In contrast, many dental savings plans provide savings on cosmetic dental care, such as teeth whitening, veneers, and dental implants.

Dental insurance plans in Minnesota typically activate on the first of the following month after you sign up. Most dental insurance plans cover preventive care as soon as your plan becomes active; however, there may be a waiting period for other procedures. Waiting periods can range from a few months to a year for basic and major restorative dental procedures. Be sure to review the plan’s specifics to understand any waiting periods that may apply.

Yes, dental insurance plans in Minnesota often include restrictions based on pre-existing conditions. Coverage for these conditions may be limited or even excluded, depending on the plan. It’s important to thoroughly review the terms of your current policy or any plan you’re considering to understand these limitations. For those with existing dental issues, dental savings plans can be a great choice, as they do not have the restrictions often found in dental insurance.

Dental insurance plans in Minnesota operate on a premium basis, where you pay a monthly premium to access coverage for dental services. These plans generally cover a range of procedures and often include deductibles, co-pays, and annual maximums, which can vary depending on the specific plan chosen. Alternatively, dental savings plans operate on a membership basis, where you pay a low annual fee to access reduced rates at participating dentists without many of the usual restrictions.

The cost of dental insurance plans in Minnesota varies depending on the provider and the specific plan selected. Typically, monthly premiums range from $25 to $50 per month for an individual plan, while family plans can range from $75 to $150 per month. These premiums provide access to coverage for a wide range of dental services, helping make dental care more affordable.

Selecting the best dental insurance plan involves comparing different providers and plans to find the one that best suits your needs. Consider key factors such as the range of services covered, the size of the network, the premiums, deductibles, co-pays, and the annual maximums. DentalPlans.com simplifies this process by helping Minnesota residents compare over 25 dental plans all in one place. With our guided online plan finder, which provides a personalized plan recommendation, it’s easy to discover an affordable dental plan that fits your needs in Minnesota.