Affordable dental insurance plans

The cost of dental insurance varies widely based the type of plan (DHMO or PPO), the coverage provided (for example, preventive only vs. comprehensive), and whether it’s group or private dental insurance. Also, the cost of dental insurance may be higher in major metropolitan areas. In general, for an individual, basic dental insurance is roughly $30+ a month ($360+ annually), a mid-range plan is $50+ a month ($600+) on average, and comprehensive coverage is $70+ a month ($850+). Family plans can exceed $100 a month ($1,200).

There are payment options available for those without dental insurance. You don’t need to have dental insurance to get dental work. To reduce costs without insurance, you can join a dental savings plan, use your Health Savings Account (HSA) or Flexible Spending Account (FSA), or pay the dentist directly out of your own pocket.

If you have a Dental Health Maintenance Organization (DHMO) plan, you must see an in-network dentist. With Dental Preferred Provider Organization (DPPO) insurance, you can see any dentist that accepts your plan but may get the lowest rates from in-network dentists. With a dental savings plan, you can see any participating dentist.

Dental insurance often classifies dental implants as an optional cosmetic procedure – since there are less-expensive and effective options to restore missing teeth – and therefore may not pay for this treatment. Check the specifics of the insurance plan you’re interested in. Most dental discount plans, on the other hand, offer reduced rates on dental implants. At the end of the day, deciding on a dental plan should be based on which plan can help you save on the procedures you need to maintain your oral health.

If cost is your primary focus, a Dental HMO plan is the least expensive option – lower premiums, flat rate co-pays and no deductible. If choosing your own dentist is important to you, as it is to many people, a Dental PPO may be the best option. Be sure to review the dental benefits of your insurance plan to understand the extent of your coverage options. If you need expensive dental procedures, such as dentures, braces, bridges or implants, a dental savings plan is likely to be your best choice as these plans have no annual spending limit.