Value Dental Insurance Options for Every Budget

You don't have to break the bank to get quality dental insurance. In fact, there are affordable options available for every budget. Some dental insurance plans can cost as little as $10 per month.

Many people think that dental insurance is a luxury, but the truth is that regular check-ups and cleanings can prevent costly problems down the line. A single root canal can cost upwards of $1,000, but a good insurance plan can cover a significant portion of that cost.

For those on a tight budget, consider a dental discount plan. These plans can offer significant savings on dental procedures, often for a lower monthly fee than traditional insurance. Some plans even offer discounts on services like whitening and orthodontic treatment.

Good health starts with a healthy mouth. Regular dental exams and cleanings can lower the risk of gum disease, which is linked to heart disease, diabetes, stroke and other serious conditions.

You can save money by choosing from over 135,000 dentists and specialists in the nationwide network, which is based on Humana network data as of October 2024.

Having a dental plan can save you money in the long run, especially when it comes to preventive care. Many services like preventive check-ups and cleanings are usually covered at 100 percent.

With a dental insurance plan, you'll only pay a $15 charge for non-emergency office visits, as mentioned in the Humana Dental Value plan. This is a significant reduction in out-of-pocket costs.

You can also save money by paying your premiums by mail, by phone, or online, as explained in the Humana Dental Value plan. This flexibility makes it easier to stay on top of your payments.

According to Delta Dental, they negotiate lower fees with their in-network dentists, which helps you save even more money. With 3 out of 4 dentists participating nationwide, it's easy to find a dentist in their network.

Here are some examples of how much insurance can save you on dental care costs:

In this example, a family of four can save up to $450 per year on dental care costs with insurance. This is a significant reduction in out-of-pocket expenses.

Consider enrolling in a separate or stand-alone dental plan if you have a health plan with minimal or no dental benefits. This type of plan can be purchased at any time of the year.

Separate or stand-alone dental plans cover routine preventive care to complex procedures like root canals. They also cover cleanings, exams, and X-rays at 100% with no waiting period when you visit a dentist in your plan’s network.

A dental plan can save you money on dental care and help protect the health of you and your family. Our experts can answer your questions and help you understand how to choose and enroll in a dental insurance plan that’s right for you.

Individual dental plans can be found in various states, such as Virginia, that meet your needs and budget. These plans cover preventive care like regular cleanings, exams, X-rays, and procedures like fillings, crowns, and root canals.

If this caught your attention, see: What Is Stand Alone Dental Insurance

You can choose from a range of options that cover children, orthodontics, and dentures. This is especially important for families who want to ensure everyone has access to quality dental care.

Here are some key features to consider when choosing a dental plan:

By considering these features and options, you can make an informed decision and choose a dental plan that meets your needs and budget.

With Humana's dental insurance plans, you can expect comprehensive coverage for your oral health needs.

Preventive care is a top priority, with 100% coverage for in-network services after the lifetime deductible is met, and 80% coverage for out-of-network services under the same conditions. Routine oral exams and evaluations, cleanings, X-rays, and topical fluoride treatment are all included in this coverage.

Here's a breakdown of the preventive services covered by Humana's plans:

Some plans, like the Dental Value plan, offer no deductible for preventive care in-network.

Preventive services are covered 100% in-network after the lifetime deductible is met, and 80% covered if you use an out-of-network dentist after the lifetime deductible is met.

The Preventive Value Humana dental plan covers routine oral exams and evaluations, cleanings, X-rays, and topical fluoride treatment.

Basic services are covered 50% in-network after the lifetime deductible is met, and 30% covered if you use an out-of-network dentist after the lifetime deductible is met.

Preventive services are covered 100% under the Humana Dental Value plan, including exams and cleanings.

The Dental Value plan is available in Florida, Missouri, Ohio, Tennessee, and Texas, and is represented by the plan code HI215.

Here are the Humana dental plans listed:

A Preventive PPO Plan is a great option for those who prioritize preventing dental problems or tend to skip dental care. This type of plan is designed to provide routine care at a lower cost.

One of the benefits of a Preventive PPO Plan is that it offers the lowest premiums. This can be a significant advantage for those on a budget.

Related reading: Individual Dental Insurance Plans Ppo

Routine care is also a key feature of this plan, ensuring that you stay on top of your dental health. With a Preventive PPO Plan, you'll have access to important routine care that can help prevent more costly problems down the line.

In-network providers will not charge you more than the allowed amount, so you can rest assured that you won't receive any surprise bills. This can be a huge relief for those who are worried about the cost of dental care.

Claims are also filed for you with in-network providers, making the process even easier.

Regular care is a crucial part of maintaining good oral health. You can expect to have 2 checkups and cleanings per benefit period.

Preventive services, including exams and cleanings, are covered 100%. This means you won't have to pay a dime for these essential services.

Basic services, such as fillings, extractions, and X-rays, are covered on a set fee schedule based on your benefit summary. This can help you budget for your dental care expenses.

Here are some key details about regular care:

North Carolina residents of all ages and their dependents are eligible for the Dental Blue for Individuals plan.

You're responsible for charges above the allowed amount, in addition to any deductible and coinsurance applied, when visiting out-of-network providers.

Preventive services, including exams and cleanings, are covered 100% in-network after the lifetime deductible is met.

You can choose from various dental plans, such as the Bright Plus dental plan, Loyalty Plus dental plan, and Preventive Value dental plan, each with its own set of benefits and coverage.

Here are some key benefits of the Humana Dental Value plan:

Coverage Details can be a bit overwhelming, but don't worry, we've got you covered. You can get dental coverage for your child, even if you're not covered yourself. Benefits and premium depend on the plan you select.

Preventive services are a big part of many dental plans. With Humana, you can get routine oral exams, cleanings, X-rays, and topical fluoride treatment covered at 100% in-network after meeting the lifetime deductible.

Consider reading: Dual Dental Insurance Coverage for Orthodontics

Basic services are also covered, but at a lower percentage. You'll get 50% coverage in-network after meeting the lifetime deductible, or 30% if you see an out-of-network dentist.

Here are some of the preventive services that are typically covered:

You can choose from a variety of dental plans, including the Bright Plus, Loyalty Plus, and Preventive Value plans. Each plan has its own set of benefits and premiums, so be sure to do your research.

For more insights, see: Careplus Dental Insurance

Having dental coverage is crucial for your overall well-being. Your dental health is linked to your overall health, so it's essential to get the protection you need.

Daily dental care and routine checkups play a big role in keeping you healthy. Consider enrolling in a separate or stand-alone Anthem dental plan, which you can buy any time of the year.

A separate or stand-alone dental plan covers routine preventive care to complex procedures like root canals. This includes cleanings, exams, and X-rays at 100% with no waiting period when you visit a dentist in your plan's network.

Discover more: Why Isn't Dental Covered by Health Insurance

You can save money on dental care and help protect the health of you and your family with a dental plan. Our experts can answer your questions and help you understand how to choose and enroll in a dental insurance plan that's right for you.

Here are some benefits of a dental plan:

Health is a top priority for many of us, and having the right coverage can be a lifesaver.

You can explore affordable health insurance plans with coverage for individuals and families.

These plans vary in terms of what's included, so it's essential to shop around and find one that fits your needs.

Consider reading: Is Dental Insurance Considered Medical Insurance

To be eligible for Dental Blue for Individuals, you must be a North Carolina resident of any age, along with your dependents.

If you're already covered under another Dental Blue for Individuals policy, you're not eligible for this plan. And, interestingly, you can only be enrolled in one Dental Blue for Individuals plan, regardless of whether you're the subscriber or the member.

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Here are some important details about eligibility:

In value dental insurance, you can customize your coverage to fit your needs. Many plans offer flexible deductible options, such as a $50 or $100 deductible, to help you save money.

Some value dental insurance plans also include a waiting period for major procedures, which can range from 6 to 12 months. This is a standard feature to prevent people from signing up just before needing a costly procedure.

You can usually adjust your coverage level to suit your budget, with options ranging from basic to comprehensive. This way, you can prioritize the services that matter most to you.

A unique perspective: Life Insurance Face Value vs Cash Value

To check if a dentist participates in your dental provider network, you can use the Find Care search tool. This tool helps you locate dentists in your area who are part of your network.

You can look for your dentist by using this search tool.

You can change your dental plan within 60 days of a qualifying life event, such as marriage, adoption, or divorce, or during the annual renewal period each year.

Standard waiting periods will apply if they are applicable.

You can choose from a variety of dental plans, but it's essential to review the terms and conditions before making a change.

The annual renewal period each year is a great time to reassess your dental plan and make any necessary adjustments.

Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of several factors, including age or disability, in its health programs and activities.

This means you can feel confident in your decision to change your dental plan without worrying about unfair treatment.

For your interest: United Dental Insurance No Waiting Period