If you're searching for the best dental insurance in Delaware, you'll discover that there are a lot of options. But how can you know which dental insurance plan is right for you?
It's critical to complete your research before making a decision. And it's definitely worth the time to properly explore your options. Having the right dental insurance may dramatically lower your out-of-pocket payments when you need dental treatment.
We've already done some of the work for you by filtering through the top dental insurance plans in Delaware and compiling this resource to assist you in finding the best dental insurance for your specific needs.
In this article, we’ll go over the following:
- What type of dental insurance is available in Delaware?
- What to consider before purchasing a dental plan
- Delaware's top dental insurance providers
- How to find dental insurance in Delaware with no waiting period?
After reading this article, we hope you're able to make a more informed decision and choose a Delaware dental insurance plan that meets your requirements.
Dentalinsurance.com makes comparing Delaware dental insurance plans simple. Our online marketplace makes finding and enrolling in the best plans in your state a pleasure.
To see what plans are available in your area, simply click the button below and enter your zip code and date of birth, or call 888-626-0057 to speak with one of their representatives.
Table of contents
Types of dental insurance in Delaware
We'll start by going through the several forms of dental insurance that are available in Delaware. Dental plans are available in a huge variety. However, they may be divided into three groups:
- Dental Discount Plans: They‘re an excellent way to save money if you need dental treatment right away since these dental plans don’t have a waiting period. These plans are not really dental insurance, and you have to pay the dentist directly without doing insurance paperwork. However, for a small monthly membership fee, you'll enjoy savings of 20–50%.
- PPO plans: The great majority of dental insurance policies are made up of these plans. They're popular since they provide you with the most flexibility when it comes to choosing a dentist and provide extensive coverage for a variety of services.
- DHMO plans: Dental insurance rates are often lower under DHMO plans. However, you may be required to choose a primary care dentist to manage all of your procedures.
What to look for in a Delaware dental insurance plan
When searching for affordable dental insurance in Delaware, you'll notice several features that may or may not be significant to you. Here are a few of the most important factors to consider:
You could've been obsessed with finding the cheapest dental insurance in Delaware, but don't forget about the other costs. When searching for the best plan, keep the following cost factors in mind:
- Premium: Regardless of whether you file a claim or not, you must pay a monthly or annual subscription fee to be covered by dental insurance.
- Annual or lifetime deductible: This is the annual amount you must pay out of pocket before your insurance provider will reimburse any costs. Some insurance plans have a lifetime deductible for as long as you stay on the plan.
- Co-payment: For each treatment you get, you must pay a specific amount or a percentage (with your dental insurance covering the rest).
- Annual maximum benefit: In most dental insurance policies, some procedures are subject to annual or lifetime restrictions. You are solely responsible for any expenditures after you have exceeded this limit.
The majority of dental insurance plans in Delaware cover preventive care such as cleanings, x-rays, and exams in full. Still, it's always advisable to double-check if yours does.
If you need expensive dental procedures such as implants, dentures, root canals, or orthodontics, you should choose a higher-priced premium plan that includes these services.
Most dental insurance policies may require you to wait a set amount of time before getting certain dental procedures, particularly if they are expensive and complex. The waiting time for basic services is typically three months, whereas the waiting period for costly procedures is six or twelve months.
If you need immediate dental treatment, make it a top priority to get dental insurance in Delaware with no waiting periods. A few options for getting dental insurance with no waiting period are:
- Dental discount plans
- Humana's “Loyalty Plan”
- Delta Dental Immediate Coverage Plan
If you require very expensive treatments, such as dental implants or All-on-4, you can also consider going abroad. In some cases, you can save up to 70% of what the dental procedure would cost in Delaware. You can read more about this in our dental tourism guide.
Best dental insurance providers in Delaware
If you don't qualify for low-income dental insurance like Medicaid, check into the private dental insurance options offered in Delaware. Each dental insurance company has its own unique set of features. We've put together a list of Delaware's best dental insurance plans so you can start evaluating your options.
Humana‘s Bright Plus dental plan
You'll receive a $1,250 calendar year limit per person when you sign up for this Delaware dental insurance plan. Exams, cleanings, and x-rays are covered at 100% in-network and 70% out-of-network with no waiting period. For preventative in-network care, the annual deductible of $50 will be waived. After a 90-day waiting period, fillings and extractions are covered at 60% in-network and 30% out-of-network. There's also a $100 teeth-whitening allowance per calendar year.
Humana‘s Loyalty Plus dental plan
This Delaware dental insurance plan works a bit differently. If you stay longer on this plan, you will be rewarded with benefit increases and decreasing co-payments. The annual benefit is $1,000 in the first year, $1,250 in the second, and $1,500 each year after that. As long as you continue on the plan, there applies a one-time deductible of $150.
While exams and cleanings have immediately 100% coverage, you get increasing coverage percentages on the other treatments. X-rays, fillings, and extractions have 40–70% coverage after the deductible. Crowns, root canals, dentures, and deep cleanings have 20–50% coverage after the deductible.
In addition, this Delaware dental insurance plan has no waiting period for all the mentioned procedures. As a result, this can be a good plan if you need expensive treatments right away.
Delta Dental of Delaware provides a wide range of individual and family dental insurance plans.
Delta Dental PPO Basic Plan
The cheapest dental insurance provided by Delta Dental of Delaware gives you 100% coverage for essential preventive care with no waiting period. This includes cleanings, exams, and x-rays. Coverage for tooth removals and fillings begins after 6 months.
There's a $50 deductible per person each year before your plan begins making payments for services. The annual maximum limit is $1,000 per person per calendar year.
Delta Dental PPO Premium Plan
This Delta Dental insurance plan offers you a $1,500 annual maximum benefit. The annual deductible is $50 per person, but there’s a separate deductible for orthodontics.
You have immediate access to full coverage for office visits, exams, cleanings, and x-rays. After a 6-month waiting period, you get 80% coverage on fillings, tooth removal, teeth whitening, and mouth guards.
After being on this dental insurance plan for 12 months, you get 50% coverage on root canals, gum cleaning, gum treatments, dentures, dental implants, crowns, and orthodontics (child and adult).
Delta Dental Diamond Premier (Indemnity Plan)
When signing up for this dental plan, Delta Dental of Delaware gives you a $2,000 maximum benefit. There’s a $25 co-payment for every office visit. However, there’s no deductible for diagnostic, basic, and major services. Only orthodontics has a $150 lifetime deductible.
The coverage for exams, cleanings, and x-rays is 80% in the first year, 90% in the second year, and 100% in the subsequent years. Fillings are covered by 60–80% after a 6-month waiting period. Extractions, crowns, root canals, dentures, and deep cleanings are covered by 0–50% after 12 months.
Braces are covered by 40% in the second year and by 50% in the subsequent years.
Delta Dental Immediate Coverage Plan (PPO)
This is the most costly dental insurance offered by Delta Dental Delaware. But you will get a generous annual maximum benefit of $3,000. The other dental plan specifications are very similar to the Diamond Premier. The difference is that you get 10–50% coverage on major procedures like extractions, crowns, root canals, dentures, and deep cleanings.
This is a dental insurance plan in Delaware with no waiting period on any services except orthodontics.
Highmark Blue Cross Blue Shield
Aside from health insurance, Highmark Delaware BlueCross BlueShield offers a range of dental insurance plans.
Dental plans from Highmark Delaware are stand-alone plans with a variety of coverage choices and pricing ranges. Whether or not you have a Highmark health insurance plan, you may make use of these Highmark dental insurance plans in Delaware.
Highmark Delaware Dental Premier
This Delaware dental insurance plan provides 100% coverage for all preventive services, such as x-rays, exams, and cleanings. Simple extractions and amalgam restorations are covered by 80%. Complex oral surgery, root canals, periodontics, crowns, and inlays/onlays are covered at 50% after 12 months.
The annual deductible per insured person is $50. This dental plan will cover you up to a maximum yearly limit of $1,250.
Highmark Delaware Dental High
This Highmark Delaware dental plan offers you an annual maximum of $1,000. The deductible is $100 per person per calendar year. Exams, x-rays, fluoride treatments, emergency treatments, sealants, and space maintainers are covered at 100% with no waiting period.
Basic restorative treatments, such as repairs of crowns and simple extractions, are covered at 50% after a 6-month waiting period. Major services like dentures, periodontics, endodontics, and oral surgery, are covered by 30% after a 12-month waiting period.
Highmark Delaware Dental Basic
If your teeth are in good shape and you just go to the dentist for preventive care, then you might want to look into this Highmark Blue Cross Blue Shield plan. This dental insurance plan covers consultations, exams, x-rays, fluoride treatments, sealants, space maintainers, and emergency treatment with a 100% reimbursement and no waiting period.
Other services are not covered.
Type of plans offered
Dental insurance plans with no waiting period; "Loyalty bonus" with yearly increasing maximum limits and increasing coverage
PPO, Indemnity Plans
Large network of dentists; flexible dental plans
Highmark Blue Cross Blue Shield
PPO, combination plans
Dental insurance plans for every need and budget; All sorts of health plan combinations available
Details correct at time of writing; check with the insurer for current and complete policy details.
With so many choices available, finding the best dental plan may be challenging.
Keep the following in mind while searching for the best dental insurance in Delaware, regardless of which provider you choose:
- A cheap premium plan is an ideal choice if your teeth are in excellent health condition and you anticipate only needing preventive treatment and fillings.
- However, if your teeth are in bad condition and you think you’ll need dental implants, crowns, root canal treatment, or other costly procedures, paying a higher premium but obtaining greater coverage is a better deal.
This article is not enough to cover everything, so you should still get a dental insurance quote at Dentalinsurance.com and do your own research.
Whatever dental insurance company in Delaware you go with, always read the conditions of the dental insurance policy thoroughly to ensure that you understand what you're agreeing to. Each dental insurance company offers its own unique set of features. Make sure you fully understand all the details before purchasing dental insurance.
Ultimately, which Delaware dental insurance plan is the best?
Get dental insurance quotes from different providers, read the terms carefully, and choose the one that covers the treatments you need.
We looked into the leading dental insurance providers in Delaware and made sure they were accessible in the state's big cities, such as Wilmington, Dover, and Newark. Depending on where you live, other dental insurance providers such as Ameritas, Guardian Direct, Dominion National, Metlife, Renaissance Dental, NCD Dental, or Nationwide may be available.
Dentalinsurance.com can assist you in finding the right dental insurance for your requirements. By entering your ZIP code and date of birth, you can begin your search for dental insurance options in Delaware. To get started, just click the button below.