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Best Dental Insurance in Kansas: Dental Plan Reviews and Comparison

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dental insurance kansas
What is the best dental insurance in Kansas?

Looking for the best dental insurance in Kansas?

In this post, we've compiled information on the top dental insurance plans in Kansas so you can get an idea of what's available and begin narrowing down your list.

We'll discuss the following points:

  • Different types of dental insurance in Kansas
  • Dental insurance with no waiting period
  • List of the best dental insurance providers in Kansas

It's well worth your time to thoroughly investigate your options before enrolling in a dental insurance plan. Selecting the best dental insurance may help you save a lot of money in the long run, while selecting the wrong dental insurance can result in financial loss.

We hope that after reading this article you will be able to make an informed choice and choose a dental insurance plan in Kansas that meets your requirements.

From another state? Read our in-depth guide to dental insurance in the United States.

Different types of dental insurance in Kansas

There are many different types of dental insurance plans, but when it comes to private dental insurance in Kansas, there are just three main options:

  • PPO plans: They make up the majority of dental insurance plans on the market today since they provide maximum flexibility and coverage. However, they are also the most expensive.
Dental insurance in Kansas
  • DHMO plans: These dental plans are cheaper than PPOs, but they provide you with less flexibility. This plan may require you to visit just one dentist for all of your treatments.
  • Dental Discount Plans: They're a great way to save money on dental treatment if you need it right away. These aren't dental insurance, but they may be able to help you save money on dental care. By subscribing to a monthly or yearly subscription, you obtain a membership card, which entitles you to receive discounts on dental treatments. The main advantage of dental discount plans is that there is no waiting period and you can start receiving treatment right away.

Individual and family dental insurance

The main difference between individual dental insurance and employer-sponsored dental insurance is how they are bought. They both serve the same goal and have many of the same qualities and benefits.

Dental insurance for seniors

Dental insurance for seniors operates in the same sort of way as dental insurance for younger people, with the distinction that it focuses on the treatments that seniors are more likely to need. While seniors are not the only ones who need these services, they have a higher liklihood of requiring certain treatments.

Dental and vision insurance

Dental and vision insurance is often combined into a single policy by insurers. If you want extra protection on vision services, purchasing all of them at once may save you money.

Keep in mind that some of these options may be worthwhile investments, while others may not. Consider all of your possibilities before deciding on the best dental plan for you or your family.

What to look for in a Kansas dental insurance

There are a few variables to consider while looking for cost-effective dental insurance in Kansas.

Cost

The most affordable dental insurance premium isn't always the most cost-effective or best choice. There are a few more financial concerns in addition to the monthly payment.

These four factors influence the cost-effectiveness of a dental plan:

dental insurance kansas no waiting period
How to find dental insurance in Kansas with no waiting period
  • Deductible: The amount of money you must spend on treatment before your insurance company starts paying for it.
  • Co-payment: The amount you must pay for each treatment out of pocket. This might be a set sum or a percentage of the overall cost, depending on the kind of dental insurance.
  • Premium: You pay this in return for coverage, regardless of whether or not you get treatment.
  • Annual maximum benefit: Certain procedures are usually subject to yearly or lifetime limits in most dental insurance policies. After you hit this limit, you are responsible for all expenses.

Coverage

The majority of dental insurance policies in Kansas offer free diagnostic and preventative services, such as cleanings, x-rays, and exams. But always double-check whether the one you choose does.

If you need expensive dental procedures such as root canals, dental implants, or orthodontics, you should choose a higher premium plan that covers these expenses.

Waiting period

Most Kansas dental insurance plans may require you to wait a specific length of time before receiving certain dental procedures, especially if they are complex and expensive. These waiting times may range from three months to a year. Typically, the more costly a dental treatment, the longer the waiting period.

If you need quick dental care, look for dental insurance in Kansas with no waiting period.

List of the best dental insurance plans in Kansas

We've created a list of the best dental insurance plans in Kansas so you can start evaluating your options.

dental insurance from Delta
Delta Dental of Kansas

Delta Dental

Delta Dental provides several individual dental insurance plans in Kansas.

Delta Dental Bronze Plan

Delta Dental’s Bronze Plan has a $1,000 annual maximum benefit. Check-ups, teeth cleanings, x-rays, sealants, fluoride, and space maintainers are covered at 100% with no waiting period.

The deductible for this dental insurance plan is $50 per person, but this fee does not apply to preventive and diagnostic services. Basic services like fillings and non-surgical extractions are covered by 80% after a 6-month waiting period.

Delta Dental Silver Plan

This Kansas Delta Dental plan is similar to the Bronze Plan. However, fillings and non-surgical tooth extractions are covered by 50%. Major services, such as dentures, root canals, gum disease treatment, crowns, and bridges are also covered at 50% after a 12-month waiting period.

Delta Dental Gold Plan

Preventive services are fully covered at Delta Dental PPO Dentists and 80% covered at Delta Dental Premier Dentists and out-of-network dentists. As with the other plans, the $50 deductible doesn’t apply to diagnostic and preventive care.

Basic treatments such as fillings and non-surgical extractions are covered by 80% in-network and 60% at Premier Dentists and out-of-network. The coverage for major services is the same as with the Silver Plan. The annual maximum benefit of this dental plan is $1,500.

Delta Dental Platinum Plan

The coverage is similar to the Gold Plan, with the difference that it covers basic services at 80%. Furthermore, it covers all major services with 70% in-network and 50% out-of-network. This includes dentures, root canals, gum disease treatment, crowns, bridges, tooth extractions, and dental implants.

Metlife

MetLife dental insurance
Metlife dental insurance of Kansas

Metlife dental insurance offers three PPO plans in Kansas.

Metlife TakeAlong Dental Low

Metlife's cheapest dental insurance plan in Kansas gives you a $750 plan maximum per person. Preventive services such as exams, cleanings, and x-rays are fully covered with no waiting period, regardless of whether you go to in-network or out-of-network dentists. Fillings and extractions are covered by 50% after a 6-month waiting period.

This can be a great plan if your teeth are in good shape and you’re just looking for a plan that covers preventive care. It also provides good flexibility when it comes to choosing a dentist. But, it should be noted that each person will be charged a $75 deductible.

Metlife TakeAlong Dental Medium

The Dental Medium plan works similarly; however, the deductible is only $50 per person per year, and there’s a $1,500 yearly plan maximum. Fillings, extractions, and deep cleanings are covered by 70% after a 6-month waiting period. After 12 months, you will have access to 50% coverage on crowns, root canals, dentures, and implants.

Metlife TakeAlong Dental High

Metlife’s highest and most expensive dental insurance plan in Kansas gives you a $2,000 annual plan maximum. Preventive care is fully covered, like with the other plans. However, fillings, deep cleanings, and extractions have 80% coverage. All major services are covered by 50%, just like with the medium plan.

Additionally, there’s also 50% coverage on braces with this Kansas dental insurance plan. Braces/orthodontia are only covered for children up to the age of 19, with a $1,000 lifetime maximum and a 12-month waiting time. This can be a great dental insurance plan for braces if you already know your child will need them.

Humana dental insurance of Kansas

Humana

Humana Bright Plus

When signing up for this Kansas dental insurance plan, you’ll get a $1,250 calendar year maximum per individual. Preventive care, such as exams, cleanings, and x-rays, is covered 100% in-network and 70% out of network. The yearly deductible of $50 will be waived for preventive in-network services.

Fillings and extractions are covered 60% in-network and 30% out of network after a 90-day waiting period. Additionally, there’s a $100 teeth whitening allowance per calendar year.

Humana Loyalty Plus

This Kansas dental insurance plan works differently from the other dental plans mentioned in this article. It rewards loyal plan members with increasing benefits from plan year one to three. This includes an increase in the annual plan maximum. You’ll get $1,000 in the first year, $1,250 in the second year, and $1,500 in subsequent years.

There’s a one-time deductible of $150 for as long as you stay on the plan. While you get an increase in plan maximums, the copayments decrease every year.

You’ll get 40-70% coverage on x-rays, fillings, and extractions. Crowns, root canals, dentures, and deep cleanings are covered by 20–50% after the deductible. This Kansas dental insurance plan has no waiting period for all the mentioned treatments.

kansas city life dental insurance
Kansas City Life dental insurance

Kansas City Life dental insurance

Kansas City Life doesn't provide individual dental insurance plans to purchase. However, the insurance provider offers comprehensive employer-sponsored and volunteers dental insurance plans with a variety of alternatives to match any company's budget. All dental plans can also be purchased as dental and vision insurance or with optional coverage on hearing services.

Kansas dental insurance plans comparison

Type of plans offered

Benefits

Delta Dental

PPO

  • Large network of dentists

  • Great variety of dental plans to choose from

Metlife

PPO

  • Very affordable and flexible plans

  • Same coverage percentages in-network and out-of-network

Humana

PPO

  • One-time deductible for as long as you’re on the plan

  • Yearly increasing annual maximum and decreasing copayments

Kansas City Life

Group dental insurance

  • This healthcare provider specializes in group dental insurance plans

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

Emergency dental care in Kansas City if you have no insurance

Are you wondering how you can find a cheap dentist without insurance?

A dental emergency is often caused by an infection that is worsening or dental trauma. These are dental problems that need to be addressed right now. What can you do if you don’t have dental insurance and you need dental emergency treatment right away? Here are some possible options:

  • Government Dental Clinics: Dental clinics are available as a public health service in most metropolitan locations, like Kansas City and other bigger cities in the state. Patients who match the specified requirements may get low-cost treatment at these clinics.
  • Medicaid: Kansas, unfortunately, has some of the strictest Medicaid regulations in the United States. The income limits are so low that most people do not qualify for Kansas Medicaid, even if they have children. However, go and check to see whether you qualify for free dental insurance from Medicaid Kansas.
  • Dental discount plans: These dental savings plans only require a low monthly commitment, but they allow you to save money on dental treatments right away. There are no waiting periods.
  • Dental payment plans: Dental payment plans are, in short, dental loans that might help you manage the hefty expense of dental care. Rather than needing to pay one large amount for your dental treatment, a payment plan enables you to pay in installments over time.

Conclusion

It can be tricky to identify the ideal dental plan. Keep the following in mind while looking for the best dental insurance in Kansas:

  • A less costly premium plan is the ideal choice if your teeth are in excellent health and you just need preventive care and fillings.
  • If you need orthodontic procedures or other costly treatments, you should upgrade to a higher plan.
  • Carefully read the policy of the medical provider to ensure that you understand what you're consenting to.

FAQs

What is the best dental insurance in Kansas?

As much as we would like to give a recommendation, there is no such thing as a one-size-fits-all dental insurance plan since they are all made to fit one’s unique requirements.

We investigated the best dental insurance plans in Kansas and confirmed that they were available in the state's largest cities, including Wichita, Overland Park, Kansas City, Olathe, Topeka, and Lawrence.

Other dental insurance companies, such as Anthem Blue Cross Blue Shield, Ameritas, Guardian Direct, Renaissance Dental, or Nationwide, may be available depending on where you reside.

Dentalinsurance.com can help you locate the most appropriate dental insurance for your needs. You may start researching dental insurance alternatives in Kansas by entering your ZIP code and date of birth. Simply click the button below to get started.

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Simon specializes in writing content on healthcare and dentistry.