Best Dental Insurance Providers

Dental coverage through UnitedHealthOne is available in both individual and employer plans.

Golden Rule Insurance Company, which underwrites many of UnitedHealthOne's individual insurance products, is rated "A+ (Superior)" from AM Best, and its rating indicates the financial strength and stability of UnitedHealthOne's products.

Six of United's most popular dental plans are listed below with the noted benefits:

• Dental Primary: There is a $50 per person deductible for basic services when using a network provider and no copay for preventive care. Fifty percent of basic services are covered after the deductible in the first year, then 65% in year two, and then 80% in the next year and onward. Major services are not covered. An annual maximum of $1,000 per person applies.
• Dental Primary Plus: The policy has a $50 per person deductible for basic services when using an out of network dentist. There is 100% coverage for preventive care. There is 50% coverage for basic services after the deductible in year one, then 65%, and finally 80% coverage for basic services. Major services are not covered. A $1,000 annual maximum applies.
• Dental Essential: This policy has a $50 per person deductible for basic services when using a network provider. Preventive services initially are covered at 80% before increasing to 90% and then 100%. There is 50% coverage for basic services after the deductible. This later increases to 65% and then 80%. Major services are not covered. Your benefits will be capped at $1,000 annually.
• Dental Essential Preferred: There is a $50 per person deductible for basic services and a $50 per person deductible for major services when using a network provider. Initially, there is 80% coverage for preventive care before increasing to 90% and later 100%. There is 50% coverage for basic services after the deductible in the first year before increasing to 65% and then 80%. Major services are covered at 15% after the deductible. This later increases to 50% and then 60%. A $1,000 annual maximum per person applies.
• Dental Premier Choice: A $50 combined per person deductible for basic and major services with a network provider applies to the policy. There is no copay for preventive care. There is 50% coverage for basic services after the deductible. This increases to 65% and 80% after years one and two respectively. Major services are covered at 10% after the deductible before increasing to 40% and then 50%. The policy has a $1,500 annual maximum.
• Dental Premier Elite: The policy has a $50 combined per person deductible for basic and major services with a non-network provider. There is no copay for preventive care. Initially, the policy covers basic services at 50% after the deductible, but this increases to 65% and then 80%. There is 15% coverage for major services to start before coverages increase to 50% and then 60%. The annual maximum of this policy is $2,000.

Delta Dental is the largest provider of dental benefits in the United States and has a network of more than 155,000 practicing dentists nationwide.

Delta Dental has an "A (Excellent)" rating from AM Best, which affirmed the financial strength rating and the issuer credit ratings for the company.

Delta Dental offers individual and group plans as well as plans through the Affordable Care Act's health insurance marketplace. Delta Dental offers plans designed to help families on a budget.

The following is an overview of two Delta Dental insurance plans:

• DeltaCare USA: This plan is prepaid on an annual basis and has, among other benefits, no deductible or annual dollar maximums; no copayments or low copayments for most diagnostic and preventive services; coverage for more than 300 procedures. As an enrollee, you would need to choose a primary care dentist from the preferred provider network.
• Delta Dental PPO: This is the company's preferred-provider option program. Enrollees have access to a network of dentists who accept reduced fees for covered services. Covered services are paid based on a percentage of the dentist's fee. You'll pay a percentage and the insurance will pay the remaining portion. The amount paid by the insurance varies with the plan you select. Enrollees may be responsible for a deductible, as well as charges for non-covered services and amounts over the annual maximum.

Humana offers dental insurance plans for individuals and groups. According to the company's website, enrollees may save 10% to 60% depending on their plan, when they get dental services from a dentist in a dental network.

The dental plans listed below are available with the noted benefits:

• Dental Loyalty Plus: Ability to choose any network or non-network dentist. Coverage of preventive services. One-time deductible. No waiting period. $1,000 annual benefit maximum in the first year, $1,250 in the second year, and $1,500 in the third year and beyond. The coinsurance rates depend on the procedure, and your portion decreases after the first and second years with the plan.
• Dental Preventative Value: Full coverage of preventive services after the deductible. Major services not covered. Some basic services are covered at 50% after the deductible. The deductible is $50 per individual and $150 lifetime. There are no waiting periods and no benefit limits.
• Bright Plus PPO: There is a deductible of $50 for individuals and $150 for families. Preventive care is covered at 100%. Most other services are not covered except for fillings and simple extractions which are covered at 60% after the deductible.
• Dental Savings Plus: It's a savings program and not regular insurance. Save 20% to 40% on preventive services. Discounted fees with in-network providers for basic and major services. No copays. No deductibles. No waiting period. No limit on the number of services that can be used each year. Discounts for orthodontics up to 20%. Discounts for prescriptions averaging 37%.
• Complete Dental: The plan has 100% coverage for preventive services. It has 80% coverage after the deductible (some limits apply) for basic services and 50% coverage after the deductible (some limits apply) for major services. There is no waiting period for preventive care, and the waiting period for basic and major services is waived with proof of prior dental insurance.

Read the full Humana Dental Insurance review.

Cigna offers three different dental plan options through its network of more than 92,000 dentists. If you often travel, Cigna’s dental network spreads nationwide offering access to dental care while away from home.

Cigna has an "A (Excellent)" rating from AM Best, meaning the company has solid financial strength.

The following are Cigna Dental's individual insurance plans:

• Cigna Dental 1500: $0 for in-network preventive services. Up to $1,500 covered per year after deductible and coinsurance for restorative services. $50 deductible for individuals and $150 deductible for families. Up to $1,000 covered for orthodontia.
• Cigna Dental 1000: $0 for in-network preventive services. Up to $1,000 covered per year after deductible and coinsurance for restorative services. $50 deductible for individuals and $150 deductible for families. No coverage for orthodontia.
• Cigna Dental Preventive: $0 for in-network preventive services. No coverage for restorative services. No deductibles for individuals or for families. No coverage for orthodontia.

Read the full Cigna dental insurance review.

Ameritas is well known in the insurance industry as a top provider of dental insurance. Ameritas also offers a Dental Rewards program, whereby enrollees can increase their annual maximum benefit to help pay for more expensive procedures in the future by visiting a dental provider each year and submitting a claim.

The company has an “A (Excellent)" rating with AM Best and an “A+ (Strong)” rating with Standard & Poor's.

Here are some features that come standard with all Ameritas dental plans:

• Network providers charge 25% to 50% less than their regular rates.
• Enrollees can visit any out-of-network dentists.
• Enrollees can save on prescriptions at more than 60,000 participating network pharmacies.