![]() ![]() Annual maximums range from $1,200 to $5,000.ĭelta Dental is described as the nation’s leading dental service provider, offering coverage in all 50 states, Puerto Rico, and other U.S. You can choose any dentist in or out of network, giving you more flexibility. The monthly premium is based on several factors, including what coverage you select, where you live, and whether you go with one of the company’s Choice or Network options. ![]() All plans have a one-time $100 deductible. Spirit also covers orthodontics, another benefit if you have a child who will need braces soon.Ĭoverage amounts differ per plan, so be sure to check out the various options to see which one is right for you. Implants, dentures, bridges, inlays, and crowns are among the services covered. Spouses/domestic partners and unmarried children up to age 26 are also eligible for coverage. With guaranteed acceptance, you don’t have to wait to get the dental care you need. You can start using your coverage on the effective date of your policy. Unlike many other dental insurance plans, Spirit has no waiting period for basic and major services. Spirit Dental and Vision, underwritten by Ameritas Life Insurance Corp., offers dental and vision insurance for individuals and families. Rates vary by plan design and deductible, copay, coinsurance, and out-of-pocket maximums selected. Cigna also has a top AM Best rating. You can choose a dentist who’s out of network, though you may end up paying more out of pocket if you do. Only one plan covers orthodontics and some covered services are determined by age. There’s no waiting period for preventative care with all plans.Įxclusions and limitations vary by state. No referrals are required for specialist care, and with some plans, there’s no waiting period for minor restorative treatment if you’ve had other insurance for 12 consecutive months. The company’s dental insurance features a network of more than 92,000 dentists in over 309,000 locations across the country, making it easy to find an in-network provider so you can get the most value out of the coverage.Ĭigna offers affordable plans for families and individuals with no deductibles or copays for preventative care like cleanings, oral exams, and X-rays as well as coverage for minor and major restorative work such as dentures and bridges. The policy maximum for all three options is about $1,000 a year per member, with deductibles at $50 per member and $150 per family on all policies except the Essentials plan, which has no deductible.Ĭigna is a global health services company committed to delivering affordable and predictable health insurance. ![]() While there is no waiting period for preventative care, other services like periodontal maintenance and oral surgery have waiting periods of six and 12 months. The company is also known for its exceptional customer service.Ĭoverage may be limited based on age, and exclusions include cosmetic services. The carrier covers services from routine exams and cleanings to more complicated procedures like implants and endo. There’s no waiting period for preventative care, meaning you can visit the dentist as soon as you like after signing up. This insurance company offers you the ultimate in flexibility, featuring plans with full and partial coverage on various services and the ability to see any dentist you choose in or out of network. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).Renaissance is part of the Renaissance Health Service Corporation, with a PPO network that includes more than 375,000 dental access points nationwide. This policy is subject to various exclusions and limitations. Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc. Each company is a separate entity and is not responsible for another’s financial or contractual obligations.Īdministrative services are provided by United HealthCare Services, Inc. References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income. No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. ![]()
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