The Best Dental Insurance in Pennsylvania (2022): Discounts, Major Dentistry, & Orthodontics

According to the Mayo Clinic, regular visits to the dentist for cleanings and checkups can improve not only your oral health, but your overall health as well. Many people can’t afford adequate dental care without insurance, so if you’re interested in purchasing dental insurance, it’s important that you choose the best dental insurance coverage for your specific needs.

When comparing dental insurance plans, look for key factors like waiting time, monthly premium amount, covered services, and annual benefit limits. the best insurance providers can offer various plans to suit your needs. It can be confusing to search for individual websites, so we reviewed several companies and chose our best options.

Reading: What is the best dental insurance in pa

the best dental insurance plans in pennsylvania

  • dentalplans.com: Pennsylvania’s Best Discount Dental Marketplace
  • guardian direct – best for pa’s top dental services
  • 1dental: the best discount dental insurance in pa
  • humana: best for orthodontic jobs in pennsylvania
  • spirit dental: the best dental plan for immediate coverage in pa
  • cigna: best for seniors in pennsylvania
  • #1 dentalplans.com – best for pennsylvania discount dental market

    dentalplans.com professionals in philadelphia, pittsburgh, allentown and more

    • coverage available nationwide
    • immediate coverage for routine services
    • orthodontic coverage available for adults and children
    • available through federal and state markets
    • wide network of dental providers
    • consumer advocate rating: 4.8/5
    • disadvantages of dentalplans.com in philadelphia, pittsburgh, allentown and more

      • low maximum annual benefit
      • plan selections are different for each state
      • why did we choose dentalplans.com in pennsylvania?

        Many providers do not offer orthodontia coverage for adults. dentalplans has the best variety of plans including orthodontic services available for both children and adults. ppo, hmo, discount, and managed rate plans are available.

        dentalplans.com copays in pa: rating 4.6/5

        Most dentalplans.com pays 100% for preventive services like cleanings and x-rays. The percentage of covered basic and major services you pay varies depending on the type of policy you buy. paying for basic care, like fillings, ranges from 50% to 80%. if your policy includes major or orthodontic care, dentalplans.com pays 50% for those services.

        dentalplans.com maximum benefits in pennsylvania: rating 4.2/5

        For some people, having a maximum benefit allowance of $1,000-$1,500 for dental care is enough. however, for those who frequently get cavities or need more extensive dental work, the lower annual maximums can be restrictive.

        dentalplan copay amount for braces and orthodontic care is 50%; a lifetime maximum of $1,000 for orthodontic services may not cover half the cost of braces. however, keep in mind that dental plans.com offers orthodontic coverage for both children and adults, something many companies do not.

        Dental Plans with Waiting Period in Pennsylvania: Rated 4.8/5

        There is no waiting period for preventive, diagnostic or basic care with dentalplans.com. however, there is a 12-month waiting period for major or orthodontic services.

        check out the dentalplans.com discount marketplace

        #2 guardian direct – best for top dental services in pa

        guardian direct dental professionals in philadelphia, pittsburgh, allentown and more

        • affordable premiums starting at $20 in some areas
        • wide selection of dental providers
        • dhmo and ppo plan options
        • no deductible for major in-network jobs
        • consumersadvocate.org rating: 4.9/5
        • disadvantages of guardian direct dental plans in philadelphia, pittsburgh, allentown and more

          • low annual maximum benefits
          • low customer satisfaction rates
          • why did we choose guardian direct dental insurance in pennsylvania?

            Most guardian direct dental plans cover major work like crowns, oral surgery and implants. Some plans also cover orthodontic work for children under the age of 19. In-network preventive services have no deductible, and the deductible for out-of-network preventive and other dental services is only $50.

            Pa Tutor Direct Dental Copays: Rating 4.1/5

            The percentage Guardian Dentistry pays for services varies depending on the plans available. while most insurers and two of the dental guardian plans pay 100% for preventive services, one of the plans only pays 80%. benefit amounts are 50% for basic services, implants, major services, and orthodontic work for all plans, except for one plan that pays 70% for basic services.

            guardian direct pennsylvania max profits: 4.1/5 rating

            Maximum annual benefits for two of the Guardian Dental plans are just $500 for the first year and increase annually to $1,000-$1,500. the maximum for the first year of another plan is $1,000; this plan increases to $1,500 in the third year but drops to $1,000 in the fourth year and beyond.

            For plans that include orthodontic work, the maximum annual benefit is $500 with a lifetime benefit of only $1,000.

            direct tutor waiting periods in pa: rating 4.7/5

            There is no waiting period for preventive services regardless of the plan you choose, but there is a six-month waiting period for basic services and a 12-month waiting period for major services, implants, and orthodontic work.

            Do you need major dental services? check out direct guardian!

            #3 1dental – best for discount dental insurance in pa

            1 dental professionals in philadelphia, pittsburgh, allentown and more

            • no annual maximum limits, deductibles or waiting periods
            • you can get the money back within 30 days
            • discounts for children and adults on orthodontic work
            • vision discounts included at no extra charge
            • can be used with dental insurance
            • consumersadvocate.org rating: 4.7/5
            • cons of 1dental in philadelphia, pittsburgh, allentown and more

              • annual membership fee
              • discount plan only; no dental insurance
              • not all dentists accept 1dental
              • why did we choose 1dental in pennsylvania?

                Coverage begins immediately. discounts range from 15% to 60%. cosmetic dentistry discounts are available. You can buy coverage for anyone who lives in your household, even non-family members.

                1pa dental copays: rating 4.4/5

                discounted amounts vary between plans. You get a flat-rate discount for all qualifying dental services, but the actual amount you pay depends on how much the provider you choose charges for those services.

                1 dental maximum benefits in pennsylvania: rating 5/5

                There are no annual limits with 1 dental, but remember you are buying a plan that only offers discounts. you pay out of pocket for each dental service at reduced prices.

                1dental waiting periods in pa: rating 5/5

                1Dental plans do not have waiting periods.

                Looking for dental discounts? 1dental test!

                #4 humana: The best dental coverage in Pennsylvania

                humana dental professionals in philadelphia, pittsburgh, allentown and more

                • a dental savings plan is available
                • a plan does not have a waiting period for all covered services
                • some plans have a single deductible
                • low premiums for basic plans
                • wide provider network
                • consumersadvocate.org rating: 4.7/5
                • cons of human dental plans in philadelphia, pittsburgh, allentown and more

                  • no coverage option for implants or orthodontic work
                  • plans and coverage amounts vary widely from state to state
                  • low annual maximum benefits
                  • why did we choose humane dentistry in pennsylvania?

                    humana has a plan with a monthly premium of less than $20. preventive care is free and one plan offers an unlimited annual maximum. the single deductible plan has a lower than average monthly premium amount in some states.

                    Pennsylvania Human Copays: Rated 4.1/5

                    See also: What Happened to Betsy Farias Insurance Money? Did Her Daughters Receive It?

                    Although preventive care is covered at 100%, basic care coverage ranges from 40% to 80% for the first year, depending on the plan you choose. for plans that include core services, coverage in the first year ranges from 20% to 50%, with 50% being higher in the third year for the plan with increasing annual benefits.

                    humana pennsylvania maximum benefits: rating 4.5/5

                    humana’s preventative value plan has unlimited annual maximums. other plans have between $1,000 and $1,250 for the first year; this increases over time to $1,500.

                    human waiting periods in pennsylvania: 4.8/5

                    Basic care waiting periods range from none to six months across all available plans. waiting periods for the main services are from none to 12 months. a plan has no waiting period for any covered services, including major work.

                    check out the human discount marketplace

                    #5 spirit dental – best dental plan for immediate coverage in pa

                    spiritual dental professionals in philadelphia, pittsburgh, allentown and more

                    • no waiting periods
                    • single deductible
                    • maximum annual benefit is $3,500 to $5,000 with some plans
                    • Two exams and three annual cleanings are covered at 100%
                    • some plans offer coverage for implants, orthodontia and major services
                    • consumersadvocate.org rating: 4.9/5
                    • disadvantages of spirit dental plans in philadelphia, pittsburgh, allentown and more

                      • only a maximum benefit of $750 for some plans during the first year
                      • premiums can be expensive
                      • why did we choose spirit dental in pennsylvania?

                        Unlike most insurers, spirit dental plans do not have waiting periods; This means that you are covered for even major services right out of the box. They cover many important services, including implants. there is only a single deductible of $100.

                        spiritual dental copays in pa: rated 4.8/5

                        Preventive care is covered at 100%. basic care coverage varies from 50% to 65% in the first year and expands to 80%-90% in three years. spirit dental pays between 10% and 25% for major services in the first year, reaching between 20% and 65% in the third year. Orthodontic benefits range from 10% to 25% in the first year, reaching 50% in the third year.

                        Maximum Spirit Dental Benefits in Pennsylvania: Rated 4.9/5

                        The maximum benefit amounts for the first year vary, from $750 to $3,500. Third year benefit amounts range from $1,200 to $5,000. some spiritual dental plans are not available in all states, including those with an eventual annual maximum of $5,000.

                        dental spirit waiting periods in pa: rating 5/5

                        There are no waiting periods for any services with spiritual dental policies, which is rare.

                        Do you need major dental services? check out direct guardian!

                        #6 cigna: Pennsylvania’s Best Senior Dental Care

                        cigna professionals in philadelphia, pittsburgh, allentown and more

                        • no deductibles or copays for in-network preventive care
                        • telephone support 24/7/365
                        • orthodontic and restorative services are covered with some plans
                        • preventive care is covered immediately
                        • the preventive plan is very economical
                        • consumersadvocate.org rating: 4.2/5
                        • disadvantages of dental insurance in philadelphia, pittsburgh, allentown and more

                          • no coverage for cosmetic dentistry or implants
                          • waiting periods for basic and higher coverage
                          • why did we choose cigna dental plans in pennsylvania?

                            people of all ages can buy cigna’s ppo plans. It has a wide network of providers throughout the country. plans are affordable for seniors and offer coverage for additional cleanings and dentures, bridges, and other treatments commonly needed for aging teeth.

                            cigna copays in pa: rating 4.8/5

                            Preventive services are covered at 100%. Most Cigna plans offer 80% coverage for core services, with 50% benefit on core services. plans pay 50% for orthodontics.

                            cigna pennsylvania maximum benefits: rating 4.5/5

                            the cigna preventive plan does not have an annual maximum limit. other plans have annual maximums between $1,000 and $1,500. there is a lifetime orthodontic limit of $1,000, which is common among dental insurance plans that cover orthodontic work.

                            waiting periods for cigna dental coverage in pa: rating 4.7/5

                            None of Cigna’s dental plans have a waiting period for preventive care. the preventive plan has no shortcomings of any kind. other plans have a six-month waiting period for basic care and a 12-month waiting period for major services and orthodontia.

                            Looking for dental discounts? 1dental test!

                            comparison chart of the top 6 dental insurance companies in pennsylvania

                            #1 dentalplans.com

                            • deductibles – $50/$150
                            • types of coverage: basic, major, orthodontic and preventive
                            • estimated premium – $20.58 – $48.48
                            • waiting period: none for basic care, 12 months for main services
                            • maximum annual benefit amount – $1,000 – $1,500; $1,000 lifetime orthodontic benefits
                            • #2 Guardian Direct Dental Insurance Plans

                              • deductibles – $50
                              • types of coverage: basic, major and preventive
                              • estimated premium – $22.26-$45.75
                              • waiting period: none for preventive care, 6 months for basic care, 12 months for major services, implants and orthodontia
                              • maximum annual benefit amount – up to $1,500
                              • #3 1dental insurance

                                • deductibles – varies
                                • types of coverage – discounts on services
                                • estimated premium: varies
                                • waiting period: none
                                • maximum annual benefit amount – varies
                                • #4 human dental insurance

                                  • deductibles – $50/$150 annually $150-$450 one time
                                  • types of coverage: basic, major and preventive
                                  • estimated premium – $31.39-$89.90
                                  • waiting period: 3 to 6 months for basic care, 12 months for main services
                                  • maximum annual benefit amount – up to $1,500
                                  • #5 spiritual dental plans

                                    • deductibles: $100 one-time
                                    • types of coverage: basic, major, orthodontic and preventive
                                    • estimated premium – $20.58 – $48.48
                                    • waiting period: none
                                    • maximum annual benefit amount – up to $5,000
                                    • cigna #6 dental insurance coverage

                                      • deductibles: none for preventive plan, $50/$150 annually
                                      • types of coverage: basic, major, orthodontic and preventive
                                      • estimated premium – $19-$45
                                      • waiting period: none in some cases, 6 months for basic care, 12 months for main services
                                      • maximum annual benefit amount – $1,000-$1,500; $1,000 lifetime maximum for orthodontia
                                      • **Premium amounts, coverages and other plan features may vary based on age, location and other factors. check with the dental insurance provider for an exact quote, estimates only. **

                                        how we ranked the best dental insurance companies in pennsylvania

                                        We look at the number of available providers, length of waiting periods, maximum benefit amounts, covered services, premiums and deductibles, and plan availability across the country. our top picks represent the best plans for specific dental needs.

                                        buying guide for dental insurance pa

                                        Choosing a dental insurance plan can be confusing if you don’t know what common terminology means. To help you make an informed decision when purchasing a dental insurance plan for you and your family, we’ve got answers to the most frequently asked questions.

                                        what services are covered in pennsylvania?

                                        See also: How Long Do I Have to Get Insurance on a Used Car? | Val-U-Line®

                                        every person and family has different needs when it comes to dental services. it’s important to address those needs when shopping for dental insurance plans. The classification of services covered by different plans varies, so be sure to pay attention to the terms of individual policies.

                                        check out the dentalplans.com discount marketplace

                                        preventive care

                                        Most plans cover 100% of preventive care costs. this category covers exams and cleanings and certain other services that vary by plan.

                                        diagnosis

                                        Your provider may order different types of X-rays of your teeth and gums.

                                        basic care

                                        This generally covers amalgam and composite fillings, emergency care for pain relief, routine tooth extractions, and stainless steel crowns. Some policies include root canals and periodontal surgery, although others consider these services important elements of care. check the policies you are considering to see what services are included in basic care.

                                        elderly care

                                        Most plans require primary care coverage for anesthesia or sedation, full or partial dentures, bridges, oral surgery, and removal of impacted wisdom teeth. dental insurance plans vary in what they consider major care, so be sure to find out what category these services fall under.

                                        orthodontic care

                                        Many plans only offer orthodontia coverage for children under the age of 19, and some do not cover any orthodontia services. some companies provide orthodontic coverage options for adults, but that’s not common.

                                        implants

                                        Not all companies offer coverage for dental implants, and those that do often have lifetime limits.

                                        aesthetic dentistry

                                        This category focuses on procedures to improve the appearance of your mouth, such as veneers and teeth whitening. some policies include implants in this category. Although several companies offer plans that include cosmetic coverage, many do not.

                                        Some cosmetic dentistry services are quite expensive, so if you plan to have cosmetic work done, make sure the dental insurance plan you choose covers these services. Also, be aware of waiting periods and annual benefit maximums, and see if there are any lifetime limits on cosmetic dentistry.

                                        what is the maximum profit in pa?

                                        Most dental insurance plans have maximum amounts they will pay each year. If a plan’s annual maximum limit is $1,000, the company will pay up to $1,000 for services in a year.

                                        That doesn’t mean you can only do a $1,000 job; remember that you will be making copays. After you meet your deductible, your plan will pay a specified percentage of the amounts charged for covered dental services.

                                        Many dental insurance policies also have lifetime limits on certain services. for example, orthodontic work often has lifetime limits; If the lifetime maximum is $1,000, your policy will only pay a total of $1,000 during your lifetime.

                                        Do you need major dental services? check out direct guardian!

                                        what is a deductible in pa?

                                        A deductible is an amount you must pay out-of-pocket for services before your dental insurance begins to pay. Let’s say a procedure costs $500 and your deductible is $50. Your insurance company will pay your percentage of $450, which is the amount of the service minus your deductible. Some plans and services don’t have deductibles, but most do. deductible amounts may vary between companies and plans.

                                        In most cases, you’ll see something like: “$50 per person, $150 per family.” If you have a family of four covered by this dental insurance, once three people meet their $50 individual deductible, the fourth person does not pay a deductible.

                                        what is a waiting period in pennsylvania?

                                        A waiting period refers to the amount of time you must wait between purchasing your dental insurance policy and when you can start receiving benefits. some companies start your waiting period on the actual date you buy your policy, while others use the first day of a month.

                                        Most dental insurance plans do not have waiting periods for preventive services like routine cleanings and exams. basic and major care, however, usually have waiting periods of between three and 12 months. many plans increase your payment amounts for major and basic services annually until you reach the third year of coverage.

                                        is dental insurance in pennsylvania worth the cost?

                                        If you rarely get cavities and only see your dentist for routine cleanings and exams, you may not save money buying dental insurance. however, if you frequently need basic or major services, the right dental insurance plan can save you significant amounts of money depending on your wait time and copay.

                                        One way to address this concern is to find out how much your dentist charges for necessary exams, cleanings, and X-rays for the year, then compare that total to the total premiums, deductible, and copays you’d pay for a dental insurance plan. You can also include charges for fillings and other categories of dental work in your annual expense estimate.

                                        what are ppos and hmos?

                                        A ppo plan usually costs more, but you have access to a larger network of providers. these plans can save you a lot of money if you are not in great oral health and need more services. you are allowed to choose your own providers, and out-of-network coverage is available in some cases.

                                        hmo plans cost less in premiums, but you can only see approved providers. generally, you must choose a provider to be assigned to. many covered services have little or no copays. If your teeth are healthy and you don’t need a lot of fillings or other corrective work, this type of plan can save you money.

                                        Looking for dental discounts? 1dental test!

                                        preferred provider organization (ppo)

                                        • Premiums are collected according to a fee schedule, which varies by plan and state.
                                        • Members can choose providers in and out of network.
                                        • In-network providers file claims for you, but you may have to file yourself if you use an out-of-network provider.
                                        • you pay copays based on a fee schedule and how long you’ve had your policy.
                                        • Most plans have maximum annual benefit amounts; these vary according to the policy and the type of service. some services also have lifetime maximums.
                                        • Although some plans offer single deductibles, most plans have individual and family annual deductible amounts.
                                        • health maintenance organization (hmo)

                                          • Premiums are often very affordable because providers pay up front, but that doesn’t mean you won’t have copays for some services.
                                          • Coverage only applies to your assigned provider within your network.
                                          • Your provider files your claims.
                                          • You will receive a schedule of benefits that lists the fees you must pay for covered services.
                                          • hmo plans do not have maximum annual benefit amounts.
                                          • You won’t pay any deductible.
                                          • How do I choose the best dental insurance for me?

                                            Dental insurance plans and coverages vary widely. A good strategy is to determine the types of coverage you need and look for plans that offer those options. then compare the premium amounts, deductibles, covered services, waiting periods, and maximum benefits for each plan. creating a chart of viable plans helps by allowing you to compare them side by side.

                                            Do your research to find the best Pennsylvania dental insurance for your needs

                                            Not all dental insurance plans are created equal. premiums, coverages, copays, waiting periods, and maximum benefits vary significantly between locations and companies. Carefully research the plans that are available in your state to make sure the policy you buy is the best option for what you and your family are looking for. determine which criteria are most important to you, then search for highly rated dental companies and plans that meet your needs. weigh the pros and cons of each plan to decide which policy works best for you.

                                            See also: How Does Gap Insurance Work? – Ramsey

Related Posts

How does roof insurance claim work

How Roofing Insurance Claims Work: What Contractors Need to Know

Understanding how roofing insurance claims work will help your insurance restoration business succeed and grow. By knowing the ins and outs of insurance, you can ensure a…

4 reasons your insurance company can cancel your auto policy – MarketWatch

Can they really cancel my policy without asking? Your insurance company can cancel your policy, but they must provide written notice before doing so. the amount of…

Best Cheap Health Insurance in Wisconsin 2022 – ValuePenguin

affordable health insurance is available in wisconsin through the state’s marketplace. Finding the best health insurance plan for you can be difficult, so to help you get…

Tesla Insurance Review: Costs and Coverage (2022)

car insurance for tesla models tends to be quite expensive with rates typically higher than the national average of $1730 per year for comprehensive coverage. A 2017…

How to read a life insurance policy

How to read your life insurance policy | Insure.com

A life insurance policy is a contract between an insurance company and an individual. there are a variety of policies, lots of riders, and many choices to…

The role of insurance providers in supporting treatment and management of hepatitis C patients | BMC Health Services Research | Full Text

hcv epidemiology Today, one of the most important global public health challenges is represented by the hepatitis C virus (HCV), which imposes a dramatically relevant burden in…