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Best Dental Insurance in Hawaii: Reviews and Comparison of Plans

Simon Frers
Simon Frers
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If you're looking for the best dental insurance in Hawaii, you'll find all sorts of choices. But how can you determine which dental insurance plan is right for you?

We've already done some research for you by sifting through Hawaii's best dental insurance plans.

We'll cover the following in this article:

  • What types of dental insurance are available in Hawaii?
  • How do you find the most affordable dental insurance in Hawaii?
  • How to find individual dental insurance plans in Hawaii with no waiting period
  • What is the best dental insurance in Hawaii?

We hope that after reading this article, you will be fully prepared to make an informed decision and select a Hawaii dental insurance plan that fits your needs.

Types of dental insurance in Hawaii

To begin, we'll go through the various types of dental insurance that are available in Hawaii. There is a wide range to choose from, but they may be divided into three categories:

individual dental insurance plans hawaii
What to consider when buying dental insurance in Hawaii?
  • PPO plans provide the most flexibility while also providing the most comprehensive coverage. These dental insurance plans, unfortunately, also have the highest rates.
  • DHMO plans: These types of dental insurance are usually less expensive than PPO policies. On the flip side, you may be forced to choose a primary care dentist. You'll be charged a set co-payment instead of a percentage of the overall cost. However, you won't have to worry about deductibles, and this type of dental insurance typically has no waiting periods.
  • Discount dental plans: While these plans are not the same as dental insurance, they are an excellent way to save money if you require dental care right away since there is no waiting period. You'll have to pay for the dentist yourself rather than fill out insurance paperwork. For a nominal monthly fee, you'll get a membership card that allows you to save 10–40% on certain treatments.

We know it can be difficult to wade through the plethora of plan options. That's why we've created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you'll see the best plans in your area.

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What to consider when choosing dental insurance in Hawaii

It takes more than a price check to find the best dental insurance in Hawaii. The cheapest dental insurance isn't always the wisest or most cost-effective solution. The following aspects should also be considered:


Perhaps all you want is Hawaii's cheapest dental insurance. However, it's crucial to remember that your dental costs aren't only dictated by your insurance premium. The following are the four factors that influence the overall cost of a dental plan:

  • Premium: Whether or not you submit an insurance claim, you must pay this monthly, quarterly, or annual fee.
  • Annual maximum limit: The yearly maximum limit refers to the most your dental plan will pay for your treatment during any particular plan year.
  • Deductible: This is the absolute minimum amount you must spend on dental care before your insurance provider begins to share your dental expenses with you.
  • Co-payment: The amount you must pay out of pocket for each treatment. This might be a set fee or a percentage of the total cost, depending on the kind of dental insurance you have.


dental insurance hawaii no waiting period
How to find dental insurance in Hawaii with no waiting period?

Preventative and diagnostic dental services such as cleanings, exams, and x-rays are typically covered in full by most dental insurance policies.

If you need more complex procedures, such as crowns, dental implants, root canals, braces, or teeth whitening, you should look for a plan that covers these costs, as they can be quite expensive.

No waiting period

Most dental insurance policies may require you to wait a set amount of time before getting certain dental procedures. Therefore, make getting dental insurance in Hawaii with no waiting period a high priority if you require urgent dental treatment.

You may also wish to look at the following options:

  • Discount dental plans: These dental savings programs aren't dental insurance, but they don’t have waiting periods on important treatments.
  • Dental tourism: Consider taking a dental vacation if you need pricey treatments such as All-on-4 or dental implants. When compared to dental care in Hawaii, this might save you up to 60%.
  • Dental financing: If you don't want to go abroad but urgently require expensive dental care, you should check out your dental financing options.

Best dental insurance providers in Hawaii

You must explore your options for private dental insurance providers if you are not qualified for low-cost dental insurance such as Medicaid. We've compiled a list of the most popular dental plans, so you can get a feel of what's offered and begin to filter your options.

delta dental hawaii
Delta Dental of Hawaii

Delta Dental

Delta Dental offers a variety of dental insurance plans in Hawaii for every need and budget.

Delta Dental HDS Basic Dental Plan:

Delta Dental’s cheapest dental insurance plan in Hawaii offers you a $1,000 annual maximum benefit with a deductible of $50 per person. Exams and cleanings are fully covered twice per year.

For these services, the deductible doesn’t apply. X-rays are covered by 50% once per year. Basic treatments such as root canals, fillings, emergency treatments, and oral surgeries are covered by 30%.

Delta Dental HDS Preferred Dental Plan:

This dental plan, provided by Delta Dental of Hawaii, offers comparable benefits to the “Basic” plan. However, you also get 50% coverage on complex treatments such as gum and bone surgeries, crowns, fixed bridges, dentures, and orthodontics after a 12-month waiting period.

metlife dental insurance hawaii
MetLife dental insurance Hawaii


MetLife also offers a range of dental insurance plans in Hawaii.

MetLife “Low” plan:

This Hawaii dental insurance plan has a $750 yearly limit. The annual deductible for individual dental insurance is $75, while the deductible for family dental insurance is $225. Regardless of whether you visit an in-network or out-of-network dentist, all exams, cleanings, and x-rays are completely covered. After six months, fillings and extractions are reimbursed at 50%.

MetLife “High” plan:

This dental insurance plan has the most expensive premium of all the MetLife plans in Hawaii. It does, however, provide you with a $2,000 yearly maximum limit. A child orthodontic lifetime limit of $1,000 is also included.

The annual deductible for individual dental insurance is just $25 ($75 for family dental insurance). Fillings, extractions, and deep cleanings are covered by 80% after a six-month waiting period. After a 12-month waiting period, root canals, crowns, dentures, and implants are covered by 50%.

Ameritas dental insurance hawaii
Ameritas dental insurance Hawaii


The health insurance provider Ameritas offers a few dental insurance plans in Hawaii.

Hollywood Smile Premier 1500

The yearly maximum for this Hawaii dental insurance plan is set at $1,500 per person. Exams and cleanings are covered by 80% in the first year, 90% in the second year, and 100% in the following years after paying the $100 deductible.

X-rays and fillings are covered by 50-80% in-network with no waiting period. Extractions, crowns, root canals, dentures, and deep cleanings are covered by 20-50%, also with no waiting period at in-network dentists.

Hollywood Smile Premier 2500

This dental plan functions in a similar way as the previously mentioned plans. However, you’ll get an annual maximum benefit of $2,500. This Hawaii dental insurance plan has no waiting periods like the “Smile Premier 1500”.

Other dental insurance options in Hawaii

You can also obtain more specialized dental insurance policies if you qualify for them:

  • Dental insurance for seniors: This focuses on services that older citizens are more likely to need. Although these treatments are not exclusive to seniors, they are more likely to be needed by them.
  • Veterans' dental insurance: You are most likely qualified for military dental insurance if you are currently serving or have previously served in the United States Armed Forces.
  • Dental implant insurance: Due to the high cost of dental implants, many insurance companies do not cover them.
  • Braces dental insurance: Even if your dental insurance covers orthodontic treatment, you will most likely be paying a hefty co-payment. If you’re looking for dental insurance in Hawaii that covers braces, read our full article on this topic to learn about your best options.
  • Invisalign dental insurance: This treatment is quite costly, and it is not covered by most dental insurance policies.


Type of plans offered


Delta Dental


  • Flexible plans with good coverage

  • Large network of dentists



  • Affordable and flexible dental insurance plans

  • Same coverage at in-network and out-of-network dentists



  • Great variety of plans with good coverage

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


Regardless of the provider you pick, keep the following factors in mind while looking for the best dental insurance plan in Hawaii:

  • A low-cost premium plan may be the best choice if your teeth are quite healthy, and you just need routine cleanings and occasionally a filling.
  • Choose a higher-priced plan with additional coverage if you think you'll need expensive procedures in the future. It will be more cost-effective eventually.
  • When you buy dental insurance, read the policy carefully to make sure you know what you're agreeing to.
  • It's also critical to take advantage of preventative regular cleanings. Dental checkups and cleanings on a routine basis will keep your teeth healthy and save you money over the long term.

Finally, which is the best dental insurance in Hawaii?

Despite our best efforts, there is no such thing as a universal dental insurance plan, since everyone's needs are unique.

We looked into Hawaii's most popular dental insurance plans and double-checked that they were offered in key locations, including the Big Island, Maui, and Oahu/Honolulu. Other insurance companies such as Cigna, Kaiser, Guardian Direct, Nationwide, Humana, AARP, Careington, or Renaissance Dental may be able to offer dental insurance coverage depending on where you live. can assist you in determining which dental insurance plan is right for you. To begin looking into dental insurance alternatives in Hawaii, enter your ZIP code and date of birth. Simply click the button below to get started.

If you want to read about the best insurance options in any other state, please select from the list below.


How much is dental insurance in Hawaii?

There are a variety of dental insurance plans in Hawaii to fit any budget. Dental discount plans cost around $8.95 per month, while dental insurance starts at roughly $18 per month.

How much does dental insurance cover in Hawaii?

There are a variety of dental insurance plans in Hawaii that cover everything from cleanings and exams to significant dental procedures like crowns, dental implants, dentures, and braces.

How to get dental insurance in Hawaii?

There are a lot of health insurance providers offering dental care in Hawaii. makes it simple to compare insurance policies and get a dental insurance quote.

How to buy dental insurance for individuals in Hawaii?

Many dental insurance companies offer their services in Hawaii, and you can compare prices online. is a good place to get individual dental insurance quotes and make comparisons.

What is the best dental insurance in Hawaii?

Because everyone's demands are different, there is no such thing as one-size-fits-all dental insurance. Metlife, Humana, Delta Dental, and Guardian Direct are all great dental insurance providers. will guide you in selecting the most appropriate dental insurance plan for your needs. To begin your search for dental insurance in Hawaii, enter your ZIP code and date of birth. Simply click the button below to get started.

Best Dental Insurance in Hawaii: Reviews and Comparison of Plans
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