Virginia Dental Insurance Guide and Comparison

Virginia has a range of dental insurance options, including individual, group, and family plans. These plans can vary significantly in terms of cost, coverage, and provider network.

If you're looking for affordable options, consider plans from companies like Aetna, Humana, and UnitedHealthcare. These companies often offer a range of plans with varying levels of coverage and premium costs.

Some dental insurance plans in Virginia may have a waiting period before you can start using your coverage. For example, Delta Dental's Premier plan has a 6-month waiting period for major services.

In Virginia, you can choose from several types of dental insurance plans to suit your needs. The most popular types are DHMO (Dental Health Maintenance Organization) and PPO dental plans (Preferred Provider Organization).

DHMO plans work by requiring you to choose a primary care dentist within the network, who will provide most of your dental care. These plans often come with a lower premium, but you may have to pay more out-of-pocket for services.

PPO plans, on the other hand, allow you to see any dentist you choose, both in and out of network. However, you'll typically pay more for out-of-network care.

There are also dental discount plans available, which are not insurance but offer discounted rates at participating dentists. These plans can be a good option for those who don't need comprehensive coverage.

Here are the three main types of dental coverage:

* Type of CoverageDescriptionDental Preferred Provider Organization (PPO)Allows you to see any dentist you choose, both in and out of network.Dental Health Maintenance Organization (DHMO)Requires you to choose a primary care dentist within the network.Dental Discount Planstd>Offer discounted rates at participating dentists, but are not insurance.

When choosing a dental plan, it's essential to consider factors like deductible, annual maximum, covered services, waiting period, coinsurance, copayment, and premium. These details can make a big difference in the affordability and coverage level of a plan.

Dental insurance in Virginia covers preventative exams, routine teeth cleaning, fillings, and X-rays.

Preventative care is usually covered in full, with your plan paying 100% of the cost of services like teeth cleanings and annual exams.

Dental insurance policies may also include periodontics, endodontics, dentures, bridges, root canals, and other surgical treatments.

Most dental plans follow a 100-80-50 coverage schedule, where the plan pays 100% for preventative services, 80% for basic dental treatments, and 50% for more invasive or major procedures.

Here's a breakdown of the 100-80-50 coverage schedule:

Some dental plans cover more than others, so it's essential to review the coverages and guidelines for each policy before continuing.

A deductible is the amount you have to pay out of pocket before your dental benefits take effect, and most dental plans have annual maximums of between $1,000–$1,500.

A waiting period is the time you must have an active plan before you can use its benefits, which can range from a few months to a year or more.

The average cost of dental insurance in Virginia is around $31 per month or $372 per year.

Basic preventive plans cost around $15 per month or $180 per year, which is a relatively affordable option. Comprehensive plans with high annual maximums and low deductibles can cost more than $70 per month or about $840 per year.

You can save on dental insurance by rolling it into an individual health insurance plan or by choosing a dental plan with a vision insurance add-on, which can cost only a few extra dollars per month.

The cost of dental insurance in Virginia can vary greatly depending on several factors. The average cost is $31 per month or about $372 per year.

If you're looking for an affordable option, basic preventive plans can cost around $15 per month or $180 per year. However, comprehensive plans with high annual maximums and low deductibles can cost more than $70 per month or about $840 per year.

You may be able to save on dental insurance by rolling it into an individual health insurance plan or by adding vision coverage for a few extra dollars per month. Many dental plans offer discounts for these options.

A plan with a low monthly premium may also have a low annual maximum, which can leave you with out-of-pocket expenses for remaining dental procedures. It's essential to research and understand the terms of your plan before making a decision.

Coastal Cosmetic + Implant Dentistry is one of the few Virginia Beach dentists authorized to bill your health insurance for specific dental procedures.

Sleep apnea, bite disorders, and full mouth rehabilitation may be eligible for medical coverage.

If you need extensive restorative dental care or oral appliance therapy for a sleep or bite disorder, schedule a consultation to discuss your treatment needs and potential for accessing your healthcare benefits.

Most dental plans are Preferred Provider Organization (PPO) plans, which allow you to choose any dentist in or out of the network, although out-of-network benefits may be reduced.

When selecting a dental plan, consider the price, covered services, and insurance provider. Read the plan carefully and research the best dental insurance providers in Virginia to avoid sneaky denials of benefits.

You should ask yourself several questions before picking a dental plan, including whether it gives you enough coverage for your usual dental health needs and whether it fits into your monthly budget.

The price of a dental plan, as well as the covered services, often play the most important parts as you choose a dental plan. You should also consider which insurance provider you choose as you look at plans.

A cheaper plan may actually cost you more if it has a low annual maximum and high deductible. Make sure you watch out for these factors when choosing a PPO plan.

Here are some key questions to ask yourself when choosing a dental plan:

Consider your dentist's opinion and the company's financial stability when making your decision.

If you're looking for alternatives to traditional dental insurance in Virginia, there are a few options to consider. You can opt for a dental discount plan, which can save you 10-60% on dental care costs.

Dental discount plans, also known as dental savings plans, are not insurance but rather a membership program that provides discounted rates at a network of participating dentists. These plans can be a cost-effective option for those who want to save money on dental expenses.

You can also consider a stand-alone dental plan, which can be purchased directly from insurers or through the Virginia health insurance Marketplace. These plans are regulated by the Virginia State Corporation Commission and offer coverage for both adults and children.

Here are some insurers that offer stand-alone dental coverage through the Virginia Marketplace:

These plans can be purchased through HealthCare.gov during open enrollment or during a special enrollment period triggered by a qualifying life event.

If you're looking for alternatives to traditional dental insurance in Virginia, there are options available. You can consider a dental discount plan or a prepaid dental plan.

A dental discount plan can save you 10-60% on dental care costs, with access to a nationwide network of over 100,000 dentists. These plans are not insurance, but rather a membership program that offers discounted rates at participating dentists.

You can also purchase a stand-alone dental plan directly from a dental insurer. These plans are regulated by the Virginia State Corporation Commission (SCC) and are not subject to the ACA's essential health benefit rules for pediatric dental coverage.

Here are some popular dental discount plans in Virginia:

It's worth noting that these alternatives may not offer the same level of coverage as traditional dental insurance, but they can be a more affordable option for those who don't need comprehensive coverage.

Medicaid and CHIP Coverage is a vital option for many individuals and families in need of affordable healthcare. Both children and adults enrolled in Medicaid in Virginia have comprehensive dental coverage.

The benefits of Medicaid dental coverage were expanded for adults starting in 2021. This means that many more adults can now access the dental care they need to maintain good oral health.

FAMIS, Virginia's CHIP, provides dental coverage to uninsured children and pregnant women with income above the eligibility limits for Medicaid. This program helps fill the gap for those who don't qualify for Medicaid but still need dental care.

You can purchase stand-alone dental plans through the Virginia health insurance Marketplace, HealthCare.gov, during open enrollment (November 1 to January 15) or a special enrollment period triggered by a qualifying life event.

Six insurers offer these plans, which cover both adult and pediatric dental services: Anthem, Delta Dental of VA, DentaQuest, Educators Health Plans, Guardian, and Humana.

These plans can be purchased online through HealthCare.gov, and they are compliant with the ACA's rules for pediatric dental coverage. Plans from insurers may not be offered in all areas, so be sure to check availability in your area.

You can also purchase dental discount plans, which are not insurance but offer discounted rates at participating dentists. If you're looking for dental insurance outside of the Marketplace, you can also talk to an agent or search online for non-ACA qualified dental plans, which are regulated by the Virginia State Corporation Commission (SCC).

Comparing quotes from multiple companies online is the best approach to finding affordable dental plan rates in Virginia.

You can get free individual & family dental insurance quotes in just a few clicks.

If you're looking to purchase dental coverage through the Virginia health insurance Marketplace, you're in luck - there are six certified providers to choose from. These providers offer stand-alone individual and family dental plans that cover both adults and children.

Anthem, Delta Dental of VA, DentaQuest, Educators Health Plans, Guardian, and Humana are the six insurers that offer dental coverage through the Virginia Marketplace. These plans can be purchased through HealthCare.gov during open enrollment or during a special enrollment period triggered by a qualifying life event.

These plans are exchange-certified and comply with the ACA's rules for pediatric dental coverage. You can find more information about the specific plans offered by each provider on HealthCare.gov.

Here are the six providers that offer stand-alone dental plans through the Virginia Marketplace:

Keep in mind that plans from these insurers may not be available in all areas, so be sure to check the specific plans offered in your region.

You can buy dental insurance outside of Virginia's exchange, but it's not subject to the same rules as plans sold through the exchange.

There are various dental insurers that sell stand-alone dental plans directly to consumers in Virginia.

These plans are regulated by the Virginia State Corporation Commission (SCC).

To purchase a non-ACA qualified dental plan, you can talk to your agent or search online.