Thursday, March 27th
2025 Dental Insurance Plan Reviews
Dental Insurance
- $8.09 to $99.99 per month
- 31 plans
- 10+ providers
- Orthodontics offered
- Free vision coverage with some plans
- Vision add-on for all plans
- 4.5-star average rating
- "A+” rating and accreditation from the BBB
Dental Insurance is a dental coverage broker that promises the fastest way to save with trusted insurance companies you're already familiar with. Dental Insurance is a subsidiary company of Kelsey National Corporation and is headquartered in LA, California. The company has been in business for 60 years. Some of the partner insurers included on Dental Insurance's list are Ameritas, Delta Dental, Guardian, MetLife, and VSP.
Search through 30+ plans
To start searching for your dental insurance plan, you just need to click the "See Plans” button on the main page of the website. This will take you to a quick form where you fill out your zip code, county of residence, and birthday. You can also add a spouse and/or child if you want to check out family coverage. From there, you'll be taken to a scrolling list where you can compare different plans for dental insurance side by side along with a range of search filters to help narrow the field. In our area, we were shown 31 different dental insurance plans.
10+ insurance providers
Dental Insurance's database of carriers includes a wide range of popular insurers such as:
- Ameritas
- Anthem
- Careington
- Cigna
- Delta Dental
- Guardian
- Humana
- MetLife
- NCD
- Renaissance
You can also expect to find PPO plans and HMO plans as well as a handful of bundled plans for those looking for coverage beyond just dental insurance. The majority of plans at Dental Insurance were PPO (24 of the 31 we were suggested). 5 of the insurance options included adult orthodontia.
Prices from $8.09 to $99.99 per month
To get accurate prices across all insurance providers, we used a test customer who is 34 years old and is looking for basic care plus orthodontic coverage in the Central Florida area. Of the 31 plans suggested for our test persona, Dental Insurance's lowest monthly cost was a Guardian plan for $8.09. This was a DHMO plan (meaning you will need to remain in-network to gain benefits). Cleanings are free with this plan, and the coverage offers reduced prices for fillings, crowns, root canals, and simple extractions. You also get a flat rate fee for orthodontia at $2,800 for adult care. The most expensive plan was a PPO+Vision bundle through Humana which cost $99.99 per month. This covers 100% of the cost of cleanings and provides discounts for fillings, crowns, root canals, and extractions with between 50-80% off on each procedure. You also get vision care with a $0 copay for exams and hearing coverage. However, even with this high monthly price, this plan does not include any orthodontia.
No price matching and a 1-month waiting period
At the time of our review, Dental Insurance did not offer any guarantees or price-matching promises for the plans offered through its platform. All of the details for the cost and enrollment will be on the page for the individual plan you choose. You will need to complete an application before you can properly enroll at a provider through Dental Insurance, and you will need to wait until the following month to be able to use your coverage.
Additional coverage on some plans
Depending on which plans you choose, you may be able to get some extras as well. Some plans come with vision and hearing coverage already added (so you don't have to pay separately). You can also add vision to any of the plans that don't offer it as a bundle through Dental Insurance, due to the company's partnership with VSP. The cost for a separate vision plan in our test area started at $11.20 extra per month.
Rave reviews for service and quality
Dental Insurance has a top-notch reputation with customers online. According to the Better Business Bureau, this company holds an "A+' rating and accreditation. Dental Insurance is popular on other third-party review sites as well. Trustpilot shows a solid 4.5-star average for this platform, with high praise for the customer service reps who helped insured members (and newcomers) resolve problems or find the best coverage for their situations. Dental Insurance's sign-up process was called "painless” by several recent reviewers, and customers are generally pleased with the insurance coverage received for the price.
Top pick for service and value
This dental insurance broker stands out as a solid one-stop shop for your dental coverage. Whether you need regular dentistry or orthodontics, you can grab a plan from Dental Insurance at an impressively low monthly cost. With almost all plans covering general cleanings 100% and impressive discounts for crowns, root canals, and more, you can expect to smile more often knowing your teeth are taken care of. With praise for the simple enrollment process and value for the cost, Dental Insurance earns a solid 5 stars in our review.
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Taking care of your teeth is one of the most important parts of your overall health and wellness. Dental appointments should be part of your normal routine and attended regularly, not just when you have a problem that needs to be addressed. Whether you're looking for a hygiene checkup or cosmetic concerns like tooth whitening, visiting your dentist regularly can keep you happy, healthy, and smiling with all those pearly whites.
However, as with many medical and preventative care appointments, the cost of dental work can get pretty high. A recent study shows that the national average cost for a standard visit (dental exam, cleaning, and x-rays) is around $203 per visit. If you're not one of the lucky folks who get dental with their job benefits, grabbing your own dental insurance is a sure way to make sure you save money and keep your teeth healthy at the same time.
Dental Insurance Plan FAQ
Continued from above...
If you need other procedures like fillings, crowns, or root canals, your total cost at the dentist could be thousands of dollars (crowns can cost up to $1,800 per tooth). While you can't do much about the cost of the dentists themselves, there are some resources to help you find affordable dental insurance to keep costs down.
A recent study compared different monthly costs (including preventative visits) and found that those with insurance paid $800 less per year than those without. Plus, if you get insurance, many of the basics are free of charge, making it less likely that you will need more complicated or expensive trips to the dentist in the future.
Now, when you decide to grab dental insurance, you'll want to keep a few things in mind. Like health insurance, your dental insurance company will have a network of accepted providers. If you have a dentist you really love, you'll want to make sure you grab insurance that is taken by your current dentist. In-network insurance policies will usually cover 100% of preventative dental care, up to 80% of basic procedures (fillings, root canals, and extractions), and up to 50% of major procedures like crowns, implants, and treatment for gum disease. Keep in mind many plans do not include orthodontics (such as braces), but most insurers or brokers offer at least one plan that does include specialist care.
In general, you can find a few types of dental plans. First is the Preferred Provider Organization (PPO). This is the common "network” approach where dentists join a PPO network and set up their fee schedule with the insurance provider. You can go out of network with PPO plans, but you may have higher out-of-pocket fees. The other main option is the Health Maintenance Organization (HMO) plans which have a more restricted network requirement. For HMO (sometimes called DHMO in dental insurance), you are not able to go out of network and still use your insurance benefits.
If you're ready to support your dental health and enjoy the security of covered preventative care, but don't know which dental insurance service to choose, we've put together some factors to help you decide:
- Cost. Different plans and providers have different costs, so make sure you find one with a deductible or monthly payment that makes sense for your situation. You may be able to find the same dental plan at a lower price, depending on which platform you shop through, so make sure to compare prices across insurance databases to make sure you get the best cost and value balance.
- Features and coverage. Make sure your chosen provider offers a range of different features and coverage, so if you want to change your dental insurance plan, you can use the same insurance provider or database to get what you need. The more options there are, the easier it is to compare costs and benefits.
- Reputation. Check out your chosen dental insurance provider or broker through third-party reviews. Sites like the Better Business Bureau and review platforms like Trustpilot and Sitejabber are particularly helpful so you can see what other customers think of the service, assistance, and sign-up process.
To help you find the best dental insurance for your sparkling smile, Top Consumer Reviews has researched and ranked the top providers and brokers out there today. Whether you prefer total coverage for dental and orthodontics or a simpler option that focuses on preventative care, there's a dental insurance plan out there waiting for you. This way, you can enjoy your pearly whites and save some money in the process!
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