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Best Dental Insurance in Alabama: Comparison and Plan Review

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dental insurance alabama
Find the best dental insurance plans in Alabama

Are you looking for the best dental insurance in Alabama? Because there are so many options, finding the best dental insurance plan may be challenging.

Before making a decision, do your research because the right insurance may help you save a lot of money on your dental bills.

Delta Dental of Alabama is a well-known dental insurance provider. However, everyone has specific needs and the perfect dental insurance will be different for each person.

In this article, we'll go over the various types of dental plans available in Alabama, including:

  • Individual dental insurance
  • Dental discount plans
  • Dental plans with no waiting period
  • Dental and vision insurance

We hope that this guide will help you determine the ideal dental insurance plans in Alabama for your specific needs.

Types of dental insurance plans in Alabama

Is a PPO or DHMO plan the better choice?

If you have a DHMO plan, you may be required to see a single dentist who coordinates all of your treatments. These are the most affordable dental insurance plans in Pennsylvania, but they have limitations.

PPO plans are more expensive, but they also provide you with more freedom because you can choose from a larger base of dentists.

dental insurance alabama
What is the best dental insurance in Alabama?

Dental discount plans

A dental savings plan, often known as a “dental discount plan,” is not insurance, but it is a smart alternative if you need to save money right away on dental treatment. In exchange for your premium, you get a predetermined discount on treatments from dentists in the insurer's network. You may also be eligible for free preventive and diagnostic treatments as part of your dental discount plan.

Individual dental insurance

Dental insurance for individuals and business group health insurance produces the same results. The basic difference between individual dental insurance and employer-sponsored dental insurance is how it is obtained.

Dental and vision insurance

In Alabama, dental and vision insurance are popular healthcare combinations. Buying dental and vision insurance from the same company might save you money and make your life easier.

Health and dental insurance

Some healthcare providers in Alabama provide health and dental insurance combinations. If you need both and want to save money, this might be a viable alternative, much like the dental and vision insurance combos.

How to find a good dental insurance in Alabama

You may be fixated on getting the cheapest dental insurance in Alabama, but don't forget to factor in other costs and the waiting time. When seeking the best dental plan, keep the following aspects in mind:

dental insurance no waiting period
Dental insurance with no waiting period

Low-cost vs high-coverage

If your teeth are in overall great shape, a minimal insurance policy with a higher deductible and co-payments may be suitable. But, when you expect to have to get a lot of treatments, it would be much more cost-effective to pay a higher premium but have lower out-of-pocket expenses.

Waiting period

Look for dental insurance in Alabama with no waiting period if you require dental care right off the bat and want to save money.

Best dental insurance providers in Alabama

Delta Dental Alabama

Delta Dental of Alabama offers four PPOs with one “Immediate Coverage” plan.

Delta Dental insurance plans
Delta Dental of Alabama

With these Alabama Delta Dental insurance plans, you have the freedom to see any dentist you want, but staying in-network may save you money.

There'll be no questions about your past dental insurance history when you sign up for a new Delta Dental plan. Another benefit is that you may retain your dental coverage regardless of your age.

Delta Dental Gold (PPO):

The maximum benefit under this Alabama Delta Dental plan is $1,000 per year. Preventive care has no waiting period and is covered at 60% in the first year, then at 80% in the second year, and finally at 100% in the third year when the deductible has been met. A 6-month wait is required to get coverage for fillings. Crowns, root canals, dentures, and deep cleanings have a 12-month waiting period to receive coverage.

Delta Dental Platinum (PPO):

The yearly limit for this Alabama Delta Dental plan is $1,500 per person. Preventive treatments are covered at 80–100%. Complex treatments such as extractions, crowns, root canals, dentures, and deep cleanings have a 12-month waiting time and are covered at 30–50%.

Delta Dental Diamond (PPO):

The yearly limit for the Delta Dental Diamond plan is $2,000 per year. A $25 payment will be collected for each dental appointment. The lifetime deductible for orthodontics is $150 per person. For diagnostic, basic, and major treatments, there will be no deductible.

Immediate Coverage Plan (PPO):

With this Delta Dental plan, there are no waiting periods for any procedures, except for orthodontics. In the first year, however, only 10% of basic and significant treatments are covered. But, by the second year, coverage increases to 40%, and by the third year, it increases to 50%. If you require treatment right away, then this can be a good option.

humana dental of Alabama
Humana dental insurance offers a wide variety of plans in Alabama

Humana

Humana dental insurance Alabama offers two PPO plans. Both dental insurance plans fully cover preventative in-network procedures like cleanings, x-rays, and examinations completely, with no waiting period and no deductible.

Humana’s “Preventive Plus” plan:

The maximum yearly benefit under this Alabama dental insurance plan is $1,000 per person. The individual deductible is $50 per person, but preventive services in-network are exempt from this. In-network coverage for fillings and extractions is 50%, with a 6-month waiting period.

Humana Loyalty Plus

Blue Cross Blue Shield of Alabama

This Humana dental insurance plan in Alabama incentivizes their loyal members with a lifetime deductible, increasing coverage percentages and an increasing annual maximum benefit. Also, there is no waiting period for any covered treatments. Orthodontia, implants, and teeth whitening are not covered though. If you need treatment right away and want to commit to a long-term membership then this Human dental plan might be the right one for you.

BlueCross BlueShield Dental Insurance Alabama

BlueCross BlueShield offers three insurance plans in Alabama.

Blue Cross Blue Shield Plans in Alabama

Blue Cross Blue Shield Dental Blue

Blue Cross Blue Shield Dental Blue®

Blue Cross Blue Shield Dental Blue® Plus

Deductible

Yearly Deductible: $50 per person

Yearly Deductible: $50 per person

Yearly Deductible: $40 per person

Annual maximum benefit

$1,000 per person

$1,500 per person

$1,000 per person

Preventative and diagnostic services

100% covered after deductible is met

100% covered after deductible is met

100% covered after deductible is met

Basic services

(fillings, extractions, root canals, dentures)

75% covered after meeting the calendar year deductible

80% covered after meeting the calendar year deductible

80% covered after meeting the calendar year deductible

Major services

50% coverage once the deductible has been met

50% coverage once the deductible has been met

50% coverage once the deductible has been met

Orthodontics

Not covered

40% coverage after $150 orthodontic deductible has been met

50% coverage after $150 orthodontic deductible has been met

Details correct at time of writing; check with insurer for current and complete policy details.

Medicaid Dental Alabama

Medicaid is a government-run health care program that includes dental treatment in some states. Medicaid is also known as low-cost dental insurance in Alabama. Your monthly income determines your eligibility, but it also depends on the size of your household, your age, and your eligibility classification.

Procedures covered by Medicaid Dental Insurance in Alabama include crowns, extractions, fillings, fluoride treatments, space maintainers, sealants, root canals, x-rays, and dental checkups.

Conclusion

Type of plans offered

Benefits and Plan Features

Delta Dental

PPO

Great variety of plans and a large network to choose from

Humana

PPO

Loyalty plan with yearly increasing benefits

Blue Cross Blue Shield

PPO, Dental and vision insurance

Great affordable combination plans

Medicaid

Government health insurance

Affordable for low-income individuals and families

Details correct at time of writing; check with insurer for current and complete policy details.

It could be confusing to choose which dental insurance in Alabama delivers the best value. You must carefully read the terms to identify what you're signing up for.

This is a basic guideline to follow:

If your teeth are in good form and you just need preventive care and fillings, a less expensive premium plan will be the wisest option. A bigger plan with full-coverage dental insurance is the preferable choice if you need orthodontic treatment.

FAQ

What is the best dental insurance in Alabama?

There are many different types of plans available, including coverage veterans, seniors, and dental and vision insurance bundles. What you choose will depend on your unique needs.

We’ve sorted through the top dental insurance plans in Alabama and checked their availability in Alabama's biggest cities, like Birmingham, Huntsville, and Montgomery. However, depending on your location, there can also be different dental insurance providers available, such as Metlife, Cigna, Guardian, Southland, and Alfa Dental.

Dentalinsurance.com will assist you in locating the best dental insurance coverage for you. You may compare the top dental insurance plans in Alabama by entering your ZIP code and date of birth. To get started, just click the button below.

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Contributors:
Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.