Dental procedures can be costly, but dental insurance can significantly reduce out-of-pocket expenses. Coverage often includes preventive services like cleanings and checkups, along with major treatments such as root canals and orthodontics. Good oral health is essential, not only for a bright smile but also for reducing the risk of serious health conditions like heart disease and stroke. Here’s a look at the best family dental insurance options for 2025.
1. Spirit Dental: No Waiting Period for Coverage
Spirit Dental is ideal for those who want immediate coverage. Many dental insurance plans require waiting periods before coverage starts, but Spirit Dental’s plans include no waiting period, meaning next-day coverage for services like cleanings, exams, fillings, crowns, and implants. Other benefits include coverage for children’s orthodontics and a yearly maximum up to $5,000. Spirit Dental also partners with Ameritas, a large U.S. dental network, ensuring easy access to dental care nationwide.
2. Cigna: Extensive Provider Network
Cigna stands out for its vast provider network of over 92,000 dental professionals. They offer affordable plans with preventive care at no extra cost for in-network services. Starting as low as $20 per month with deductibles from $0 to $50, Cigna offers up to $1,500 in benefits. Higher coverage options, including orthodontic services, are available with deductibles ranging from $100 to $250 and annual limits up to $5,000.
3. Humana: Excellent for Preventive Care
Humana is perfect for families prioritizing preventive care, offering 100% coverage for in-network preventive services after a one-time lifetime deductible of $150. Routine exams, cleanings, and X-rays are fully covered. Services like fillings, root removal, and emergency pain relief are partially covered when using in-network providers (50% coverage). Humana’s plans are affordable, starting at $18 per month, with no annual maximum or waiting periods.
4. Delta Dental: Best Overall for Comprehensive Coverage
Delta Dental, the largest dental insurer in the U.S., provides extensive coverage for preventive, basic, and major dental services, including orthodontics. With access to over 150,000 dentists across 330,000 locations, Delta Dental’s DeltaCare® USA (HMO) plan stands out with no deductibles, annual limits, and low or no copayments for preventive care. Delta Dental has a range of plans to meet different family needs.
5. DentalPlans.com: Best for Discounts
DentalPlans.com offers a convenient online platform where families can compare dental savings plans from reputable insurers like Aetna, Humana, and Delta Dental. By purchasing a savings plan card, families can access discounts of up to 60% on dental procedures. You can easily find a participating provider and schedule treatments at a discounted rate.
Cost of Family Dental Insurance
Family dental insurance plans generally range from $25 to $50 per month. However, the exact cost varies based on the plan type, covered services, deductible, and annual maximum. In addition to premiums, families should be aware of potential out-of-pocket expenses, such as:
- Deductibles: The amount you must pay before your insurance covers services.
- Copayments: A fixed amount you pay for certain services.
- Coinsurance: The percentage of the service cost you pay, for example, 20% for a major procedure.
Choosing the right dental insurance ensures your family’s oral health is protected at an affordable price. Always compare your options and consider factors like coverage types, costs, and additional benefits to find the best plan for your needs.
