Albert, What Are the Best Affordable Dental Insurance Options in 2024?
Dental insurance is a wise purchase that helps cover the price of preventive dental care while reducing the financial shock on expensive restorative dental treatments such as bridges, fillings, and crowns…
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When searching for dental insurance, it is important to go for a company that provides the amount of coverage suitable for you without exclusions or low annual caps that can hinder you from getting the value you require.
In recent times so many seniors are now in search of affordable dental insurance. As a matter of fact, in five years, more than 20% of seniors have not gone to the dentist, so if you are in search of dental insurance as a senior, you are not alone. The best dental insurance coverage gives you good dental care, allows you to have a budget, and save money towards your retirement plan.
The dental insurance that seniors use is the same of other individuals. With all of this information, I have listed the best affordable dental insurance companies with low premiums, maximums annual benefits, and a broad network of dentists.
CIGNA.
Headquarters: Bloomfield, Connecticut, USA.
Highlights Of Cigna.
Cigna provides dental insurance for over 17 million individuals in the US and has been in the insurance business for more than 225 years. The company’s financial strength made it get an A rating from AM Best.
Cigna made it to this list as the number one choice for seniors dental care based on some essential factors, which are: the company have three 93,000 dentists Nationwide, your dentist helps you file a claim, they provide 24-hour customer support, there is no copay, and deductible in preventive dental care such as routine x-rays and cleanings, their dentist is rated based on patient experiences and affordability.
Out of the three dental plans that the company offers, the Cigna Dental preventive, which is best for routine exams, is the cheapest as it cost $19 monthly. Cigna dental 1000, with a maximum of 1,000 coverage, allows their customers to get some form of restoration beyond preventive care with a monthly fee of $30. Cigna dental 1500, with a maximum range of $1500, is the company’s highest level of protection that allows the customer to get all the restorative care and preventive care offered in the 1000 level plan with some orthodontic coverage a monthly $35 fee.
RENAISANCE.
Headquarters: Indianapolis, Indiana, USA.
Highlights Of Renaissance.
Renaissance provides insurance coverage for over 13 million customers as the company has dental, life, disability, and vision insurance and has been in the business since 1957. The company’s financial strength earned it an A+ rating in 2020 by AM Best. The company does not have a waiting period for crowns, filllings, or cleaning on the Max choice plan and Max choice plus.
The annual maximum basic techniques ranged from $750 to $3000 on their top tier plans with a deductible for the individual plans at $50 and a family plan deductible at 1 $150. Some of the company’s plans offer a 20% coverage in the first year of your enrolment; the company gives a loyalty reward with an increase in the range of major dental work yearly up to three years if you continue to be insured with them with a 50% coverage.
HUMANA.
Headquarters: Louisville, Kentucky, USA.
Highlights Of Humana.
Humana has a long history in health insurance as it has been in the business since 1961, and the company’s reputation in financial strength made AM Best rate them with a solid A-. For customers in search of more extensive coverage or a preventative-only policy, Humana provides several options of dental insurance plans in most States. Some of Humana’s plan coverage gives a loyalty benefit to its customers and also allows you to add vision coverage for a $17 monthly fee plus a lifetime deductible.
The company’s insurance options will enable you to get dental coverage that fits your personal needs, budget and will allow you to save money. The company dental loyalty starts at $1000 in year one and increases to $1250 in year two and $1500 in year three. This means the longer you remain insured with them under the PPO policy, the more you get from it. Some of their plans provide a five 50%, and 80% on co-insurance on specific procedures, while others have no annual maximum.
UNITEDHEALTHCARE.
Headquarters: Minneapolis, Minnesota, USA.
Highlights Of UnitedHealthCare.
UnitedHealthcare dental insurance is accessible in the District of Columbia and 44 other states in the US. It has been in the insurance business since 1974, which end is an A1 rating from Moody for being stable. The company has dental insurance plans suitable for seniors. Their general policies have senior-friendly options, including enjoying the coverage of many services from day one and adding the benefits of hearing and visual aids to your dental package.
All the company’s available plans have immediate coverage of preventive care with no waiting periods, which sets this company apart from other dental insurance companies. They have a cheaper option which is the basic general saver dental plan. Next is the general basic dental, and then the general plus dental, and the premium option is the general deluxe dental. The company’s plans have a $1000 to $2000 ranging maximum, with the deluxe plan deductible costing $50 for each person every year, leaving the other three plans at $100 per person each year.
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