Best Dental Insurance Plans That Cover Implants
Dental implants are a popular and effective solution for individuals missing one or more teeth, providing a long-term option for restoration. However, they can be costly, and not all dental insurance plans cover the procedure. For those seeking comprehensive dental insurance that includes implants, several plans stand out for their benefits, coverage, and customer satisfaction. Here’s a detailed look at some of the best dental insurance plans that cover implants, ideal for individuals wanting high-quality, affordable care.
1. Delta Dental Premier® Plan
Overview:
Delta Dental is a highly reputable company in the dental insurance market with extensive coverage options. The Delta Dental Premier® Plan offers broad coverage, including dental implants, making it a favorite among individuals requiring extensive dental work.
Features:
- Extensive Network: Access to a vast network of dentists and specialists.
- High Annual Maximums: Offers generous annual maximum coverage, which can cover a significant portion of implant costs.
- Wide Coverage: Includes basic, preventive, and major services.
Customer Satisfaction:
Delta Dental is known for excellent customer service and high satisfaction rates, making it a favorable choice for many.
2. Cigna Dental 1500
Overview:
Cigna is a global health service company known for offering comprehensive coverage and flexible plans. The Cigna Dental 1500 plan ranks high for its dental implant coverage.
Features:
- Generous Maximums: Offers an annual maximum of $1,500, which helps cover implant expenses.
- Orthodontic Coverage: Includes coverage for orthodontics, which can be useful for comprehensive oral treatment plans.
- Preventive Care: 100% coverage on preventive care with no deductible.
Customer Satisfaction:
Cigna scores well on customer reviews for affordability and the breadth of care offered.
3. Guardian Direct's Advantage Gold
Overview:
Guardian Direct provides robust dental plans catering especially to those needing coverage for extensive procedures like implants.
Features:
- Implant Coverage: Specifically includes implants under their list of covered major procedures.
- High Annual Maximums: Offers annual maximums that adjust and increase with plan duration.
- Wide Provider Access: Large network of providers, allowing flexibility and convenience.
Customer Satisfaction:
Guardian’s straightforward claims process and quality customer service earn it high marks among consumers.
4. MetLife PPO
Overview:
MetLife is another leading provider offering plans with options suitable for people considering implants.
Features:
- Comprehensive Coverage: Includes implants, making it an attractive option for those seeking extensive dental work.
- Flexible Plan Options: Several plan levels to pick from based on coverage needs and budget.
- Preventive Care Incentives: Focused on preventive care with competitive deductibles and co-payments.
Customer Satisfaction:
MetLife dental plans are noted for their flexibility and comprehensive nature, which align with various healthcare needs.
5. Aetna® Dental Direct Preferred PPO
Overview:
Aetna offers competitive PPO plans that provide coverage for a wide range of dental services, including implants.
Features:
- Extensive Network: Large selection of in-network dentists to lower out-of-pocket costs.
- Implant Coverage: Specific provisions for dental implants and other major dental procedures.
- Flexible Coverage: Multiple plan options with varying levels of coverage to suit different needs.
Customer Satisfaction:
Users rate Aetna highly for its network size and the flexibility of coverage options, making it a popular choice for comprehensive dental care.
Conclusion
Choosing the right dental insurance plan is crucial for individuals considering dental implants. Plans like Delta Dental Premier®, Cigna Dental 1500, and Guardian Direct's Advantage Gold provide strong coverage with high customer satisfaction ratings, ensuring policyholders can access necessary implant procedures without prohibitive costs. Always compare plans based on network size, coverage details, and annual maximums to find the best fit for your needs. With the right policy, you can confidently move forward with your dental implant journey.
