Best Dental Insurance for Major Dental Work: Top 5 Plans

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Updated: 11/14/2023

In this article, we'll get straight to the point, and tell you about the best dental insurance for major dental work — Humana Extend. Humana Extend 2500 or 5000 are plans that have high annual maximums and very low deductibles.

There are other great plans out there too, and we've reviewed them for you. So keep reading to find the best dental insurance for major work.

— Or if you're pressed for time, compare top plans below with our super easy to use form. It lets you compare plans and get a FREE quote for the best plans in your area! And it takes just 10 seconds to enter your DOB and zip code. Get started now!

Table of contents

1 See how much you could save
2 5 best dental insurance plans for major work
3 See how much you could save
4 Alternatives ways to finance major dental work
5 4 Ways to finance your dental care
6 Conclusion
7 FAQs

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5 best dental insurance plans for major work

NCD	Humana #1 Pick	Anthem
$5,000 annual maximum 50% implant coverage $50 deductible	$5,000 annual maximum 60% implant coverage $75 deductible	$2,000 annual maximum 50% implant coverage $50 deductible
4/5	5/5	3/5
Get my quote	Get my quote	Get my quote

Humana Extend 2500

Human Extend offers a dental plan for major dental work — click here to find out more — which is for individuals looking to combine coverage for dental, hearing, and vision, and get the most out of their benefits for the cost. You get a nationwide network of providers for preventive, basic, and major dental services.

Have a look at the details of this plan's major dental services coverage:

Root canals	Dentures	Implants	Crowns
Limit 1 tooth per lifetime In network: 50% after deductible Out of network: 50% after deductible 12-month waiting period	Complete dentures, limit 1 every 5 years In network: 50% after deductible Out of network: 50% after deductible 12-month waiting period	1 per tooth per 5 years In Network: 50% after deductible Out of network: 50% after deductible 12-month waiting period	1 per tooth per 5 years In network: 50% after deductible Out of network: 50% after deductible 12-month waiting period

best dental insurance for major dental work — Find insurance for implants

Other specifics for this plan include:

Deductible: $75 per person (waived for in-network preventive services)
Waiting periods: Preventive — none, Basic — 90 days, Major — 12 months
Plan maximum: $2,500 per insured person
Coverage for cleanings: 100%

Get started finding the best dental insurance for major work on dentalinsurance.com. This online marketplace makes it easy to search and compare the best plans in your area for major dental work. And once you find a plan you like, you can sign up right on the spot. Click the button below to get started by finding out more about Humana and getting a free quote! You can also read more about how to get dental insurance here.

Get my free no-obligation quote for Humana

Humana Extend 5000

The Humana Extend 2500 plan is the best dental insurance plan for major dental work if you need a high maximum. It's similar to the 2500 plan, except the benefits for major services increase after the 1st year, and the plan maximum is $5,000 instead of $2,500.

This means that the monthly premium is also higher, but it may be worth it if you know you're going to need expensive and major restorative dental work.

Have a look at how the coverage details differ for major services from the 2500 plan:

Root canals	Dentures	Implants	Crowns
Limit 1 tooth per lifetime In network: 1st year — 50% after deductible; 2nd year — 60% after deductible Out of network: 1st year — 50% after deductible; 2nd year — 60% after deductible 6-month waiting period	Complete dentures, limit 1 every 5 years In network: 1st year — 50% after deductible; 2nd year — 60% after deductible Out of network: 1st year — 50% after deductible; 2nd year — 60% after deductible 6-month waiting period	1 per tooth per 5 years In network: 1st year — 50% after deductible; 2nd year — 60% after deductible Out of network: 1st year — 50% after deductible; 2nd year — 60% after deductible 6-month waiting period	1 per tooth per 5 years In network: 1st year — 50% after deductible; 2nd year — 60% after deductible Out of network: 1st year — 50% after deductible; 2nd year — 60% after deductible 6-month waiting period

The other plan details include:

Deductible: $75 per person (waived for in-network preventive services)
Waiting periods: Preventive — none, Basic — 90 days, Major — 6 months
Plan maximum: $5,000 per insured person
Coverage for cleanings: 100%

Find out more about Humana insurance plans for major dental work and get your free, no-obligation quote for Humana by clicking on the button below!

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Or, if you'd like to know more about dental insurance plans for major dental work in your state, just enter your zip code and DOB into the table below and compare the best options near you!

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NCD 3000

NCD is underwritten by Nationwide, allowing you to benefit from a dental network that ranks in the top 10 for network size.

With the NCD 3000, you can choose any dentist you please, but you will save on your treatment costs if you choose an in-network dentist. As an added bonus, the waiting period, even for major services, can be waived if you can show that you've had prior coverage.

Take a look at some of the details of coverage for major dental work:

Root canals	Dentures	Implants	Crowns
50% after deductible 12-month waiting period	1 every 5 years 50% after deductible 12-month waiting period	50% after deductible 12-month waiting period	1 per tooth per 7 years 50% after deductible 12-month waiting period

Other important plan specifics include:

Deductible: $50 per person/$150 per family
Waiting periods: Preventive — none, Basic — 90 days, Major — 12 months (waived with proof of prior coverage)
Plan maximum: $3,000 per insured person
Coverage for cleanings: 100%

If those terms sound good to you, you can find your NCD plan for major dental work now on dentalinsurance.com by clicking the button below.

Find out more about NCD

NCD 5000

Dental insurance for major work — Replacing teeth is expensive, so it's good to have insurance to help

Just like the NCD 3000 plan, this plan gives you the freedom to choose the dentist you want, while offering a Maximum Care Network that ranks in the top 10 for network sizes.

The coverage for restorative dental services with this plan doesn't differ from that of the 3000 plan — the main difference is that the annual maximum is 5000 for this plan, making it better for more expensive dental procedures.

Here are the main details:

Deductible: $50 per person/$150 per family
Waiting periods: Preventive — none, Basic — 90 days, Major — 12 months (waived with proof of prior coverage)
Plan maximum: $5,000 per insured person
Coverage for cleanings: 100%

Click the button below to find out more about NCD's best dental insurance plan for major work, and get a free, no-commitment quote. You can also find out more in our full NCD review.

Get the best offer for NCD

Anthem BlueCross Essential Choice Platinum

Get coverage for major dental services, plus a high annual maximum with the Anthem Essential Choice Platinum PPO, while still paying a relatively low monthly premium. This plan even includes coverage for orthodontics and teeth whitening — but let's have a look at coverage details for restorative dentistry services:

Root canals	Dentures	Implants	Crowns
In network: 50% after deductible Out of network: 50% after deductible 6 months waiting period	In network: 50% after deductible Out of network: 50% after deductible 6 months waiting period	In network: 50% after deductible Out of network: 50% after deductible 6 months waiting period	In network: 50% after deductible Out of network: 50% after deductible 6 months waiting period

And some more coverage specifics are:

Deductible: $50 per person/$150 per family
Waiting periods: Preventive — none, Basic — 3 months, Major — 6 months, Orthodontic — 12 months
Plan maximum: $2,000 per insured person
Coverage for cleanings: 100%

Find out more about the Anthem dental insurance plan for major work by clicking the button below.

Compare dental insurance plans now

Alternatives ways to finance major dental work

Not everyone can afford dental insurance, and especially in cases when you need major restorative treatment, some plans just don't cover the expenses that you need them to. If you don't have insurance, you're not alone, — nearly 77 million American adults don't have it.

But, just because you don't have insurance, doesn't mean you can't have a plan to finance your dental work. Have a look at the table below for some popular dental financing options, like savings plans, dental tourism, and dental loans.

4 Ways to finance your dental care

Dental insurance

Pay a monthly premium in exchange for more affordable care.

Compare plans now Read more…

Dental loans

Fund your dental work now and make affordable monthly repayments.

Check your loan offers Read more…

Dental tourism

Pay less for quality treatment abroad.

Get a free quote Read more…

Dental discount plans

Save money on treatment costs in exchange for a yearly membership fee.

Find discount plans Read more…

For more information on funding dental care without insurance, you can watch Dental Hygienist Whitney's video below, where she talks more about dental savings plans — one of the options mentioned in the table.

Conclusion

If you're looking for the best dental insurance for major dental work, you'll most likely want a plan with a high annual maximum, and coverage for treatment like implants, and dental insurance that covers root canals. You can also read about the best dental insurance that covers crowns with no waiting period, and you can read about other plans, like in our review of Guardian Direct dental insurance or Delta Dental.

These plans tend to have higher monthly premiums, but for expensive dental work, the increased monthly cost can be worth it.

If you need to finance expensive restorative dental treatment, make sure you can pay for it with an insurance plan from dentalinsurance.com.

Get your free quote

FAQs

What dental insurance has the best coverage?

Lots of plans have pros and cons, but some of the best plans for full coverage treatment include the ones we mentioned in this article, like Humana, NCD, and Anthem.

What is the highest annual maximum on dental insurance?

The highest annual maximum on dental insurance seems to be around $5,000, as seen on plans offered by NCD and Humana. Most plans have maximums of around $1,000 or $1,500.

Does dental insurance cover implants in the US?

Yes, there are dental insurance plans that cover implants in the US. These plans have higher monthly premiums, and higher annual maximums, as well as coverage for major dental treatment.

Best Dental Insurance for Major Dental Work Like Implants and Dentures

3.4 (68.57%) 7 vote[s]

This article was originally published on 12/13/2022 and was most recently updated on 11/14/2023

Contributors:

Natalie Asmussen

Natalie used to work as a Community Health Worker and Health Insurance Navigator. She continues to follow her passion for connecting people with the healthcare they need by writing informative content about dentistry and medicine.

Sources

CDC.gov: Regional Variation in Private Dental Coverage and Care Among Dentate Adults Aged 18-64 in the United States, 2014-2017. Consulted 12th December 2022.

Dentaly.org