Dental Insurance Plans in Tennessee

Dental insurance plans function on a premium basis where you pay a monthly premium to access coverage for dental services. These plans provide coverage for a range of procedures and often involve deductibles, co-pays, and annual maximums, which can vary based on the plan. Dental savings plans, on the other hand, operate on a membership basis where you pay one low annual fee to access reduced rates at the dentist without restrictions.

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

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

Dental insurance plans typically activate on the first of the following month after sign up. Most dental insurance plans cover preventive care as soon as your plan activates, however, you may have 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 your plan’s specifics to understand any waiting periods that apply.

Yes, dental insurance plans often have restrictions based on pre-existing conditions. Coverage for pre-existing conditions may be limited or excluded, depending on the plan. It’s important to review the terms of your policy to understand any limitations related to pre-existing conditions. Dental savings plans, however, do not have the same restrictions and can be a great solution for those with existing dental issues.

Selecting the best dental insurance plan involves comparing different providers and plans to find the one that best suits your needs. Consider 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 allowing users to 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 Tennessee.