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Best Dental Insurance that Covers Crowns with No Waiting Period

Simon Frers
Simon Frers
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In this article, we've rounded up some of the top dental insurance that covers crowns. These plans tend to have higher monthly premiums than plans that only cover preventive services, but they also have higher annual maximums and lower deductibles.

We’ll cover the following topics:

  • Dental insurance coverage for crowns
  • Different aspects of crown dental insurance
  • Where to find the best dental insurance for crowns

We hope that this article helps you find the best plan to suit your smile and your budget.

Short on time? Take a look at this summary of our top picks:

Best overall ➡️ Humana Extend 5000

Best full coverage ➡️ NCD 5000

Best no waiting period ➡️ Delta Dental Immediate Coverage

Best budget ➡️ Guardian Direct Advantage Achiever

Best insurance alternative ➡️ Careington Dental Discount Plan

Best dental insurance providers that cover crowns

We know that dental insurance can be expensive and it can also be difficult to know which plan to choose.

But we are here for you — we've created a special comparison tool that shows you the top plans in your area to help guide you in your decision.

It takes just a few seconds to fill in your DOB and zip code, and you'll see full coverage plans that cover your needs. Get started with the form below!

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insurance for crowns high maximum
A $5,000 maximum gives you ample coverage

Humana Extend 2500 and 5000

Humana Extend plans cover major dental treatments including crowns, and you might not have to pay much out of pocket at all, thanks to the plans' low deductibles and high maximums.

With the 2500 plan, coverage for crowns is 50%, the deductible is $75, and the annual maximum is $2,500. There is a waiting period of 12 months for major services.

With the 5000 plan, coverage for crowns is 50% during the 1st year, and then increases to 60% during the second year and thereafter. The deductible is still $75, but the annual maximum is $5,000 and the waiting period for major services is only 6 months.

insurance for crowns
Get access to one of the largest networks of providers

NCD 3000 and 5000

NCD plans are underwritten by Nationwide, giving you access to one of the largest networks of providers.

Both plans have a deductible of $50 per person and provide 50% coverage for crowns after the deductible. They have 12-month waiting periods that can be waived with proof of prior coverage.

The 3000 plan has a maximum of $3,000 and the 5000 has a maximum of $5,000.


You can get dental insurance coverage for crowns with the Hollywood Smile Premier Plus 2000 plan from Ameritas.

dental coverage for crowns with ameritas
Ameritas gives you 50% coverage for crowns

While preventive care is fully covered, you will also get up to 50% insurance coverage on crowns without a waiting period.

There’s a $100 deductible and a $2,000 annual maximum.


This is a dental savings program, and not real dental insurance. However, it is another option to save money on dental crowns.

Different from regular PPO plans, you have to pay a fixed fee for each treatment.

At the time of writing this article the prices of crowns with dental insurance from Careington are as follows:

careington dental discount plan
With Careington you can save on dental
crowns with no waiting period
  • Crown-porcelain fused to a predominantly base metal – $613
  • Crown-porcelain fused to high noble metal – $674

The prices can vary, and you have to check with the insurance provider for detailed information.

Guardian Direct

dental insurance for crowns
Guardian Direct provides 50% coverage for
crowns after a 12-month waiting period

You can get up to 50% coverage for crowns with dental insurance from Guardian Direct. There is a 12-month waiting period.

However, after this, you can get dental insurance coverage for crowns at in-network and out-of-network dentists.


You can also get dental insurance coverage for crowns if you sign up for the TakeAlong Dental High plan from the insurance provider MetLife.

dental coverage for crowns from metlife
Metlife gives you 50% coverage for crowns
and other major dental treatments

This dental plan works similarly to the one from Guardian Direct. You’ll get 50% coverage for crowns after a 12-month waiting period.

However, you’ll also get the same level of coverage if you go to an in-network or out-of-network dentist.

Delta Dental

A policy from Delta Dental can also get you dental insurance coverage for crowns. Their highest premium plan, HDS Deluxe, will provide you with 50% coverage for crowns after a 12-month waiting period.

dental coverage for crowns with delta dental
Get 50% coverage for crowns with Delta Dental

Delta Dental also has a number of different plans available and is one of the best dental insurance providers for crowns and other treatments. However, the plans, prices, and coverage percentages can vary from state to state.

Costs of dental crowns without insurance

While all-ceramic crowns may cost up to $2,000 per tooth, silver tooth caps range in price from $500 to $1,500. Crowns are a necessary component of many restorative dental procedures, despite their high cost.

Like any dental procedure, dental crowns have a wide range of prices. If you require crowns for several teeth, it is worthwhile to shop around and compare the costs of different dentists in your area.

Read more about the costs of dental crowns here.

Is it worth it to get dental insurance that covers crowns?

That depends on each individual. Dental insurance for crowns can help you significantly reduce the cost in case you need one. If you cannot afford dental insurance, consider a dental discount plan.

Even while an insurance plan may protect against any unforeseen costs and help spread the expense, these policies can be pricey and provide limited coverage for the most expensive procedures.

Overall, the dental insurance plan that you can afford and that offers coverage for crowns and other procedures you could need in the future would be the best option for you.

Need a dental crown? Find a dentist available now near you.

Click here to get connected or call 866-383-0748 (toll-free, 24/7)

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What to look out for when searching for dental insurance for crowns

When discussing insurance, it's easy to get confused if you don't know some of the basic terms. So let's go over some briefly so you know what you're getting into when looking for dental insurance plans for crowns:

best dental insurance for crowns
Dental treatments can be expensive, so it's good
to have good dental insurance that covers crowns
  • Waiting period: This is the length of time after buying insurance that you must wait before your coverage begins.
  • Annual maximum limit: The entire amount your dental insurance company will cover for crowns or other dental treatment over the course of a year is known as an annual maximum. Any expenses that go beyond the cap will not be covered by your dental plan.
  • Copay: You will pay this predetermined amount for appointments with the dentist, medications, and other treatments covered by your family or individual dental insurance plan.
  • Yearly deductible: Dental insurance plans with annual deductibles require you to pay a certain sum before receiving any reimbursement. For regular diagnostic and preventative care, it might be waived. When it comes to crowns or other expensive treatments, you’ll be responsible for the costs until the deductible is reached.
  • Coinsurance: After meeting your deductible and paying your copay, this is the portion of the cost of your crowns or other treatment that you are responsible for paying.

Types of dental insurance

There are many types of dental plans; however, they may be divided into three categories:

  • PPO: Even though their rates are the highest, these plans form the vast majority of dental insurance contracts. They are so appealing because they provide you with the widest range of dental options and extensive coverage, even for more expensive procedures like dental crowns.
  • DHMO: Typically, these dental insurance plans are less costly than the more common PPOs. However, you could be required to choose a dentist who will handle all of your dental procedures.
  • Dental discount plans: These dental savings programs can be a great way to get coverage for crowns without a waiting period. As these plans are not true dental insurance, you may have to pay the dentist directly. Nevertheless, you can get discounts of 10-40% even on crowns and other costly treatments.


Dental crowns are a costly procedure, but worth the cost especially considering they can last upwards of 50 years in some cases. Fortunately, there are several dental insurance policies available that completely or partly cover the expense of dental crowns.

If you anticipate needing dental crowns or other expensive treatment in the future, it may be a good idea to enroll in a dental insurance plan for crowns.

You can get started finding the best dental insurance plan for you now by going to and searching their user-friendly online marketplace.


What dental insurance companies cover crowns?

It can be difficult to find dental insurance that covers crowns with no waiting period. Some plans from Delta Dental, Guardian Direct, MetLife, and other companies cover them partially.

How to find dental insurance that covers crowns with no waiting period?

With so many dental insurance providers to choose from, it may be tough to choose a suitable coverage. We suggest visiting the website to select a suitable dental insurance plan.

Best Dental Insurance that Covers Crowns with No Waiting Period
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Journal of Prosthetic Dentistry: An up to 50-follow-up of crown and veneer survival in a dental practice. Consulted 1st March 2023.