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Best Dental Insurance in Indiana: Delta Dental, Anthem, Humana

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Are you researching for the best dental insurance in Indiana? Picking the correct dental insurance can be a difficult undertaking with so many possibilities. We've evaluated the Indiana dental insurance plans and put together this resource to help you get the best dental coverage for your needs.

We'll go over the various insurance plans available, including the Delta Dental Indiana and Anthem dental plans. However, first, it's essential to know about the main options you have when choosing dental insurance in Indiana:

  • DHMO, and PPO plans
  • Dental discount plans
  • Dental insurance with no waiting period

There are tons of dental plans and providers in the US, so you might be wondering how to get started. If that's the case, you can go to Dentalinsurance.com. This is an online insurance marketplace that takes the guesswork out of finding the best insurance plan for you.

Types of dental insurance plans in Indiana

We'll start by discussing the various kinds of dental plans and their related advantages. There are three key options available for dental insurance in Indiana:

DHMO – Dental health maintenance organization

A DHMO plan typically requires you to choose one primary care dentist from a restricted network. Following that, this dentist performs or coordinates all of your dental treatments.

If you're on a limited budget and don't require the flexibility that the other plans offer, this plan is a smart choice.

Keep in mind that if you visit an out-of-network dentist, you will be responsible for the bill.

PPO – Preferred provider organization

Because of their flexibility, PPO plans are a popular choice for dental insurance in Indiana. You'll have access to a larger network of dentists, and out-of-network providers are usually covered with a small discount.

PPO dental insurance normally covers x-rays, examinations, and preventative procedures like routine cleanings. Orthodontics, implants, and teeth whitening, for example, are typically covered just partially or not at all.

When compared to other types of dental insurance in Indiana, PPOs also generally have the most expensive premiums.

Dental discount plans

This type of plan, often known as a “dental savings program,” isn't actually dental insurance and works differently from the above-mentioned insurance plans. You'll get a dental discount card, which costs an annual fee. Then you can choose from a network of dentists to obtain your treatments.

Instead of filling out insurance paperwork, you will pay the dentist directly for your services. A dental discount plan is a good way to save money on dental care if you require treatment quickly.

Indiana dental insurance plan features

Coverage

When it comes to coverage, it's important to think about the services you'll require. A plan that includes preventative care is desirable, of course. These preventive services are fortunately covered by most Indiana dental insurance plans.

However, if you want more significant procedures such as implants or orthodontics, you should select a dental insurance plan that covers these costs, as they may be rather pricey.

Cost

When it comes to dental insurance in Indiana, many consumers prioritize price as a deciding factor. However, keep in mind that the overall cost of the dental plan is made up of multiple distinct aspects, as detailed below:

  • Premium: Depending on the provider, the premium is a fixed sum that you must pay either monthly or annually. Whether or not you use dental services, you must pay this amount.
  • Copay: A copay, also known as a copayment, is a specified fee that you must pay before receiving a dental insurance-covered service or treatment.
  • Deductible: The deductible is the amount of money you must pay out of pocket for dental treatment before your insurance plan begins to cover the expenses.
  • Annual maximum limit: A dental annual maximum, also known as a plan maximum or maximum amount, is the total amount your dental plan will pay for your care in any given plan year. The annual maximums are normally between $1,000 and $2,000 each year.

Waiting period

The waiting period is the amount of time you must wait after obtaining a dental insurance plan before receiving treatment benefits. In some cases, this could take anywhere from 6 to 12 months. If you require dental care right away, the waiting time of a plan is something you'll want to look into.

There are dental insurance plans with no waiting period available in Indiana, which we will discuss later in this post, so keep reading!

Dental and vision insurance

Some insurance providers in Indiana will give you a discount if you buy all of your insurance plans from them. A popular combination offered by a few Indiana healthcare providers is dental and vision insurance. In addition to dental insurance benefits, dental and vision plans cover regular eyesight checkups and discounts on eyeglasses and contacts.

Best dental insurance providers in Indiana

Delta Dental Indiana

The Delta Dental of Indiana offers three options for individuals: two PPO plans and a dental discount plan.

Type of plans offered

Benefits

Delta Dental

  • PPOs

  • Dental Discount Plans

  • Medicare Advantage Plans

Delta Dental of Indiana has a strong network of dentists and offers a wide range of dental insurance plans, such as PPO's, Medicare Advantage Plans, and dental and vision insurance.

Humana

  • PPOs

  • Medicare Advantage Plans

  • Combination plans

Humana Dental Insurance provides excellent options for any need and budget with yearly increasing benefits. They also provide medicare advantage plans and dental and vision insurance.

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

Delta Dental Patient Direct (discount plan)

insurance from Delta
A well-known name

The Delta Dental of Indiana also offers a discount program in addition to the PPO plans described above. While this is not insurance, it does give you a discount on dental services provided by in-network dentists. Delta Dental Indiana not only provides combinations of dental and vision insurance, but also offers discounts on eye surgery, hearing aids, and generic prescription drugs.

With this discount plan, you can save an average of 20–40% on dental services, including cosmetic services, fillings, and exams. The Delta Dental of Indiana plan has more than 4,000 participating dentists in the area.

Anthem dental plans Indiana

This dental insurance is also known as Anthem BlueCross BlueShield. Anthem provides five PPO plans for individuals and families to help save money in a dental case. Popular treatments such as teeth whitening, implants, and child orthodontics can all be covered. Back teeth with tooth-colored fillings are covered by all five plans.

The Anthem PPO plan also has the benefit of flexibility, since you can select any dentist you like. However, it will be less expensive for you if you pick an in-network dentist.

Anthem PPO Plan: Essential Choice Bronze

The cheapest Anthem PPO plan covers preventive and 80% of basic restorative treatments. The yearly limit is set at $1,000. Cleaning is 100% covered, and white fillings are 50% covered. On the lowest dental plan, the deductible is $50 per person or up to $150 for a family.

Anthem BlueCross BlueShield has no waiting period for preventive treatments like cleaning, x-rays, and exams. Basic treatments like fillings have a 3-month waiting period.

Anthem PPO Plan: Essential Choice Silver

Similar to the Bronze plan, this Anthem BlueCross BlueShield Silver plan covers preventive treatments at 100%, with a $1,000 yearly maximum limit. Preventive procedures don’t have a waiting period. This dental insurance plan also covers white fillings, crowns, simple extractions, and root canals at 50%.

Anthem PPO Plan: Essential Choice Gold

The Anthem BlueCross BlueShield Gold plan offers 80% coverage on white fillings and simple extractions. The maximum annual limit is increased to $1,500.

Anthem PPO Plan: Essential Choice Incentive

This Anthem dental insurance plan has an increased annual maximum of $2,500. The unique feature of this plan is that it does not require a waiting period for more expensive services such as implants, braces or orthodontics, deep cleanings, and teeth whitening.

Although this plan is more expensive, it may be a good option if you require expensive treatments right away.

Anthem PPO Plan: Essential Choice Platinum

This plan is Anthem's most expensive plan. The amazing thing about this plan is that it gives you the same discounts whether you go to an in-network or out-of-network dentist. If you’re not looking for a budget plan and want the most flexibility, then this might be the ideal plan for you.

Humana Dental Insurance Indiana

Humana dental insurance offers five PPO plans and one discount plan for Indiana.

Preventive Value (PPO)

This dental PPO plan (like the other Humana PPO plans) permits you to see any dentist you like. However, staying in-network will save you money. It has a $50 per person ($150 for a family) one-time deductible. This plan features an unlimited annual maximum.

With in-network providers, preventive services like routine cleanings, x-rays, and exams are 100% covered. Teeth whitening is not covered in this PPO. The good news is that this dental insurance plan has no waiting period for the above-mentioned services.

Loyalty Plus (PPO)

The Loyalty Plus is another PPO plan by Humana dental insurance. It features a one-time deductible of $150 per person and $450 for the family. For the first year, the maximum yearly benefit is $1,000. Then it will increase over the following years. Cleanings are completely covered by this plan. X-rays are covered at 40% for the first year, then the coverage percentage gradually goes up. This Humana insurance plan has no waiting period.

Complete Dental (PPO)

The Loyalty Plus is another PPO plan by Humana dental insurance. It features a one-time deductible of $150 per person and $450 for the family. For the first year, the maximum yearly benefit is $1,000. Then it will increase over the following years.

Cleanings are completely covered by this plan. X-rays are covered at 40% for the first year, then the coverage percentage gradually goes up. This Humana insurance plan has no waiting period.

Bright Plus for Veterans (PPO)

This dental plan was designed specifically for veterans. It has a $150 one-time deductible for families and an annual maximum benefit of $1,250. All preventative services, such as cleanings, x-rays, and exams, are covered as long as you stay in-network.

For preventive services and teeth whitening, there is no waiting period. Other basic services have a 90-day waiting period.

Bright Plus (PPO)

Similar to the plan for veterans, this PPO plan features a one-time deductible of $150 per person/family paired with a $1,250 annual benefit maximum per person. In contrast to the other PPOs, there is no deductible if you sign up for Bright Plus.

For basic services, there is a 90-day waiting time. Preventive treatments and teeth whitening have no waiting period.

Dental Savings Plus (discount plan)

Humana's dental discount plan offers an average savings of 20–40% off treatments at in-network providers. With this dental discount plan, you can go to any dentist of your choice, but you can save more if you stay in-network.

Comparison

Type of plans offered

Benefits

Delta Dental

  • PPOs

  • Dental Discount Plans

  • Medicare Advantage Plans

Delta Dental of Indiana has a strong network of dentists and offers a wide range of dental insurance plans, such as PPO's, Medicare Advantage Plans, and dental and vision insurance.

Humana

  • PPOs

  • Medicare Advantage Plans

  • Combination plans

Humana Dental Insurance provides excellent options for any need and budget with yearly increasing benefits. They also provide medicare advantage plans and dental and vision insurance.

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

Conclusion

With so many dental insurance options in Indiana, this guide should assist you in making the best decision for your dental requirements. All you have to do now is decide what your top priority is, whether it's affordability or coverage.

Keeping up with cleanings and x-rays can save you a lot of money in the long run. So it’s critical to take advantage of preventive treatments, especially if they are fully covered.

It's a good idea to compare the rates from multiple dental insurance providers in Indiana. Always make sure to read the fine print carefully, as they all have slightly different conditions. Determine which dental plan has the greatest value for you and your family. Although gathering data can be tedious, it can help you save a significant amount of money.

Dentalinsurance.com can assist you in selecting the best dental insurance for your specific requirements. By entering your ZIP code and date of birth, you may compare the top dental insurance plans in Indiana. To get started, just click the button below.

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

FAQs

Which is the best dental insurance plan in Indiana?

The best dental insurance in Indiana will be unique to each individual. There are a wide variety of options, ranging from specific plans for veterans to more inexpensive discount plans.

Is it better to have PPO insurance or a dental discount plan?

The right dental financing in Indiana depends on your demands and budget. If you need services right away but can't afford a monthly premium, a dental discount plan is probably the best choice.

Is there dental insurance in Indiana with no waiting period?

Yes, there are several dental insurance providers in Indiana with no waiting period. The Humana Loyalty Plus, for example, has no waiting period for basic and major dental services.

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Simon specializes in writing content on healthcare and dentistry.