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Choosing the best Dental Plan can put a bright smile on your face - This image shows a happy woman at the dentist, sitting in the dental chair
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Choosing the best Dental Plan can put a bright smile on your face - This image shows a happy woman at the dentist, sitting in the dental chair


Dental Plans: How to Choose the Right One for You


Are you in the market for a dental plan that offers the most comprehensive coverage? There are many different ways to find the perfect dental plan. With so many options available, it can be difficult to decide which one best suits your needs.

In this blog post, we will discuss what factors to consider when choosing a dental plan and help you identify the most comprehensive plan for you. We’ll explain how to assess the coverage and other features of a dental plan to determine which one is the best fit for you.


How to begin looking into dental plans

The first step in selecting a dental plan is to decide what type of coverage you need. If you have an existing dental plan, it’s important to consider if it is meeting all of your needs and if there are any additional benefits that would be beneficial for you. Additionally, you should compare different dental plans to ensure that you are getting the best coverage for your specific needs.


When evaluating different plans, it’s best to look at monthly premiums, copayments, and maximum annual benefit limits.


It’s also important to consider the types of services covered by each plan and if they are in-network or out-of-network providers. Lastly, you should factor in any deductibles or coinsurance payments that may be required.

Once you have narrowed down your choices, you will want to review the details of each plan. Many companies offer online tools and resources that allow you to easily compare plans side-by-side. It’s also recommended to speak with your dentist or insurance agent to get advice on which plan is best for you.

There are many different types of dental plans available and each one has its own set of benefits and costs. Some of the most popular options include:


Each of these companies offers unique plans and it’s important to research them all before making a decision.


Delta Dental

Delta Dental is one of the largest and most respected dental plan providers in the United States. They have an extensive network of dental providers, and they offer a variety of plans to fit most people’s needs.

The Delta Dental plans include:

Delta Dental Premier – This plan is the most comprehensive coverage offered by Delta Dental and covers most dental procedures, including preventive care, restorative care, and orthodontia. This plan also offers discounts on vision care, hearing aids, and certain other services.

Delta Dental PPO – This plan is slightly less comprehensive than the Premier plan, but it still covers most procedures including preventive care and some restorative care. It does not cover orthodontia or vision care.

Delta Dental HMO – This plan is the most affordable option offered by Delta Dental and it is a good choice for those who are on a tight budget. It covers preventive care and some basic restorative procedures such as fillings and extractions. It does not cover any major procedures such as orthodontia or crowns.

When choosing a plan with Delta Dental, you should consider the type of coverage that best meets your needs. If you have any questions about their plans, you can contact their customer service representatives who can help you find the plan that is right for you.



If you’re looking for a reliable dental plan with coverage options tailored to your needs, then Cigna is the perfect choice for you. With their expansive network of over 132,000 dentists and specialists in the United States, you can rest assured that Cigna has you covered no matter where you are.


Cigna offers several dental plans to choose from including their most popular PPO plan. With this plan, you have the freedom to visit any dentist you like, although it’s recommended that you check if they’re in-network for discounted rates.

You also get access to discounts on services like:

  • Orthodontics
  • Periodontics
  • Implants

In addition, Cigna also offers a preventive care plan that covers 100% of preventative care costs after your deductible is met. This plan is great for those who want to make sure they don’t go over budget while still taking advantage of all the dental benefits they can get.

Finally, Cigna also offers a flexible spending account that allows you to pay for eligible dental expenses on a pre-tax basis. This way, you can save money and get the dental care you need without breaking the bank.

No matter what kind of coverage you’re looking for, Cigna has something that fits your needs. With their extensive network of providers and flexible payment options, you can find the perfect dental plan to fit your budget and lifestyle.



Aetna is a leading healthcare insurance provider offering dental plans to individuals and businesses. As an Aetna dental plan member, you have access to a network of more than 205,000 dental providers in all 50 states and Puerto Rico.

The plan provides coverage for preventive care, basic services such as:

  • Fillings
  • Crowns 
  • Root Canals
  • Bridges
  • Dentures and Implants

Depending on the plan you choose, coverage may include 100 percent for preventive services, 80 percent for basic services and 50 percent for major services.


Aetna’s dental plans offer flexibility and customization, giving you the ability to choose from different tiers of coverage 


Pick from three types of network:

  • Preferred Provider Organization (PPO) – The PPO allows you to receive discounted rates when you visit an in-network dentist
  • Dental Health Maintenance Organization (DHMO) – The DHMO allows you to receive comprehensive care from an assigned primary care dentist
  • Dental Indemnity Plan – The Dental Indemnity Plan reimburses you for your out-of-pocket expenses after treatment.

Aetna also offers supplemental benefits such as:

  • Orthodontia
  • Oral surgery coverage
  • Cleanings
  • Fluoride treatments


Additionally, Aetna members get discounts on vision, hearing aids and eyewear, as well as access to health and wellness programs and discounts on fitness centers.


When choosing an Aetna dental plan, make sure you understand the coverage you are receiving and compare plans carefully to make sure it is the right fit for you.



MetLife is one of the largest insurance providers in the world and they offer an extensive selection of dental plans. MetLife dental plans provide coverage for preventive care, such as:

  • Routine exams
  • Cleanings
  • X-rays
  • Fillings
  • Crowns
  • Bridges
  • Orthodontic treatments
  • Periodontal Treatments
  • Dental Implants


MetLife offers a range of plans with different levels of coverage, including employer-sponsored plans, individual plans, and family plans.


With MetLife, you can choose from three different plan categories:

  • PPO (Preferred Provider Organization) – The PPO plans offer greater flexibility when it comes to selecting a dentist.
  • DMO (Dental Maintenance Organization) – The DMO plans have a limited list of in-network dentists and a lower monthly premium cost.
  • HMO (Health Maintenance Organization) – The HMO plans are similar to the DMO plans but they have no out-of-network coverage.

MetLife also has special programs and discounts available to help you save on your dental expenses.

They offer discounts on:

  • Braces
  • Tooth Whitening

As well as other services, and they also have a special program called “SmileGuard” that helps cover the costs of preventative services like cleanings, exams, and X-rays.

Overall, MetLife is a great option if you’re looking for comprehensive dental coverage at an affordable price. Their wide range of plans makes it easy to find the one that’s right for you.



Humana is one of the leading providers of dental plans and is available nationwide. The company offers a wide range of coverage options, making it easy to find a plan that fits your budget and needs.

When it comes to their dental plans, Humana has different tiers of coverage, from basic to comprehensive. Depending on the plan, coverage may include

  • Preventive Care
  • Major Restorative Procedures
  • Orthodontics

For those looking for the highest level of coverage, Humana’s Premier Dental PPO plan offers up to $2,000 in annual coverage with no waiting periods for most procedures.

This plan also provides discounts for:

  • Cosmetic Procedures
  • Orthodontic Treatments


Plus, you can choose from a variety of dentists as long as they are part of the Humana network.
To help you decide if Humana is the right provider for you, it’s important to consider your specific dental needs.

Consider what type of coverage you need and your budget, then compare the different options offered by Humana. With their wide selection of plans and quality services, Humana makes it easy to find the best dental plan for you.




Choosing the right dental plan for you and your family is an important decision. The cost of a dental plan is something to consider, but even more important is finding a plan that offers coverage for the services you may need now or in the future.

Depending on where you live, there may be a range of plans available to choose from. No matter which plan you choose, it’s important to research each plan thoroughly so that you can make an informed decision.

By taking the time to compare plans, you can ensure that you get the best coverage and value for your money. Wishing you and your family the best of luck in choosing the ideal dental plan.

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