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Best Dental Insurance in Montana: Review and Plan Comparison

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dental insurance montana
What is the best dental insurance in Montana?

Looking for the best dental insurance in Montana? We understand how difficult it may be to sort through all of the options.

In this article, we've compiled information on the best dental insurance plans in Montana so you can get a feel of what's available and begin narrowing down your options. The following will be discussed:

  • What types of dental insurance are available in Montana?
  • How to find dental insurance in Montana with no waiting period
  • What is Montana's best dental insurance?

Take the time to thoroughly investigate your options before enrolling in a dental insurance plan, since selecting the best dental insurance may save you a significant amount of money in the long run. Choosing the wrong dental insurance, on the other hand, may result in increased costs.

Our goal is that after reading this, you will be able to make an informed choice and choose a Montana dental insurance plan that meets your needs.

Not in Montana? Take a look at our guide to dental insurance in the United States.

What to consider when buying dental insurance in Montana

dental insurance mt
How to find the most affordable dental insurance in Montana

When it comes to obtaining the most affordable dental insurance in Montana, it's a bit more complicated than just looking at the monthly rate. Make sure the dental insurance you're thinking about truly covers the services you'll need. When choosing a dental insurance plan in Montana, consider the following factors:

Cost

When evaluating the cost of a dental insurance plan, you must examine all of the components that contribute to the ultimate cost. These four factors influence the cost-effectiveness of a dental plan:

  • Premium: Whether you submit an insurance claim or not, you pay a monthly, quarterly, or yearly fee for dental coverage.
  • Maximum benefit: In most dental insurance policies, several treatments are usually subject to annual or lifetime restrictions. You are solely responsible for any expenditures after you have exceeded this limit.
  • Co-payment: The amount you must pay for each treatment out of pocket. Depending on the kind of dental insurance you have, this might be a fixed amount or a percentage of the total cost.
  • Deductible: The amount you must spend on treatments over the course of a calendar year before your insurance company begins to share the cost with you.

Coverage

Most plans cover preventative and diagnostic dental procedures such as exams, cleanings, and x-rays in full, but double-check to be sure.

If you require more complex procedures like teeth whitening, dental implants, or orthodontics, you should choose a plan that covers these charges, since they may be rather costly.

Waiting period

Most dental insurance policies may require you to wait a set amount of time before having certain dental treatments done, particularly if the operation is difficult and costly.

If you need immediate dental treatment, make it a top priority to get dental insurance in Montana with no waiting period. You might want to have a look into these options:

  • Sign up for a dental discount plan: This is not an insurance plan, but these programs can help you start saving money on major treatments from day one.
  • Have a look at the Delta Dental Immediate Coverage plan.
  • If you need very expensive treatments, you may also want to consider dental tourism.

Best dental insurance providers in Montana

There are a number of different companies offering dental insurance in Montana. We've compiled a list of the most popular ones so you can get a sense of what's available and begin to narrow down your choices.

Delta Dental

delta dental montana
Delta Dental of Montana

Delta Dental offers a variety of dental insurance plans in Montana.

Delta Dental Gold Plan (PPO)

This plan gives you a yearly maximum benefit of $1,000 per person. The deductible is $50 per person per year. Preventive services such as exams, x-rays, and cleanings have no waiting period and are covered 60% in the first year, 80% in the second year, and 100% in the third year. Fillings have a six-month waiting period and are then covered by 50-80%.

After a one-year waiting period, you get access to treatments like crowns, root canals, dentures, and deep cleanings. The coverage for these major treatments is 30% in the second year and 50% from the third year on.

Delta Dental Platinum Plan (PPO)

This Delta Dental plan provides you with a yearly maximum benefit of $1,500 per person. There’s a $50 deductible for preventive, diagnostic, basic, and major services. Orthodontics has a $100 lifetime deductible. Exams, cleanings, and x-rays are covered by 80-100% with no waiting period. After six months, you get access to 60-80% coverage on fillings.

Extractions, crowns, root canals, dentures, and deep cleanings are covered by 40-50% after a one-year waiting period. Braces are covered by 40% in the second year and 50% in the subsequent years.

Delta Dental Diamond Premier (Indemnity)

This Delta Dental plan works very similarly to the Platinum plan. However, you get a $2,000 annual maximum benefit. Orthodontic treatments are covered by a $450 annual maximum and a $1,500 lifetime maximum.

Delta Dental Immediate Coverage Plan (PPO)

This dental insurance plan gives you a $3,000 annual maximum per insured person. There’s no deductible for diagnostic, basic, and major procedures. However, you will be charged a $25 copay for every office visit, and there’s a $150 lifetime deductible on orthodontics.

Preventive care is covered by 80% in the first year, 90% in the second year, and 100% in the subsequent years. Fillings are covered by 60-80% with no waiting period. Major treatments such as root canals, crowns, extractions, dentures, and deep cleanings are covered by 10-50% with no waiting period.

humana dental insurance of montana
Humana dental insurance

Humana

Humana offers a dental discount plan in Montana.

Humana Dental Savings Plus

This dental discount plan is not dental insurance, and you have to pay the dentist directly. However, it allows you to get discounts on routine cleanings, exams, x-rays, fillings, simple extractions, oral surgery, root canals, crowns, dentures, and orthodontics with no waiting time. In addition, this dental plan has no annual maximum and no deductible will be charged. This can be a great alternative if you’re looking for dental insurance in Montana with no waiting period.

Humana also offers dental and vision insurance combination plans for those who are interested.

Metlife

metlife dental insurance montana
Metlife dental insurance Montana

Metlife also offers a range of dental insurance plans in Montana.

Metlife Dental Low Plan (PPO)

This is the most affordable dental insurance plan provided by Metlife in Montana. However, you only get a $750 annual maximum benefit. The deductible is $75 per person and $225 for family dental insurance. Exams, cleanings, and x-rays are fully covered, regardless of whether you go to an in-network or out-of-network dentist. After six months, you get 50% coverage on fillings and extractions.

Metlife Dental Medium Plan (PPO)

Metlife’s “Medium” plan offers a $1,500 annual maximum benefit. The deductible is $50 per person and $150 for family dental insurance. Preventive services are covered 100% with no waiting period. Fillings, extractions, and deep cleanings are covered by 70% after a six-month waiting period.

After 12 months, you’ll get access to 50% coverage on crowns, root canals, dentures, and implants.

Metlife Dental High Plan (PPO)

This is Metlife’s most expensive dental insurance plan in Montana. But, you get a $2,000 annual maximum benefit. The deductible is $25 per person and $75 for family dental insurance. Preventive services are fully covered with no waiting period. After six months, fillings, deep cleanings, and extractions are covered by 80%.

After one year, you get 50% coverage on crowns, root canals, dentures, implants, and orthodontics. Braces are only covered for children up to the age of 19, and up to a lifetime maximum of $1,000.

Comparison

Type of plans offered

Benefits

Delta Dental

PPO, Idemnity Plans

  • Large network of dentists

  • Great variety of dental plans with good coverage

Humana

Dental discount plan

  • No waiting period

  • No deductible

Metlife

PPO

  • Affordable dental insurance plans

  • Highly flexible: same coverage in-network and out-of-network

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

Other dental insurance options in Montana

The previously mentioned dental insurance plans are from private health care providers. However, if you are eligible for low-income dental insurance like Medicaid, then this is the first option you should look into.

The state of Montana also offers children's dental insurance. You can read more about the HMK dental plan here.

Conclusion

It can be difficult to choose which dental insurance plan gives the greatest value, and you may still be undecided.

Because everyone's demands are different, the ideal dental insurance plan will be different as well. You may also want to check into dental insurance for seniors, military dental insurance, or Invisalign dental insurance, depending on your requirements. The more precisely a dental insurance policy is customized to your specific needs, the more cost-effective it will be.

Here's a simple guideline for choosing the best dental insurance in Montana:

  • A low premium will work if you've only required a few dental treatments in the past and your teeth are in good shape.
  • Paying a higher premium with better coverage may be more cost-effective if your teeth are in bad shape and you expect costly surgeries.

We looked into Montana's leading dental insurance plans and checked that they were accessible in the state's major cities, including Billings, Missoula, and Great Falls. Alternative dental insurance carriers, such as Blue Cross Blue Shield, Ameritas, Anthem, Guardian Direct, and Nationwide may be available depending on your area.

Dentalinsurance.com can assist you in locating the most appropriate dental insurance for your requirements. By entering your ZIP code and date of birth, you can compare the best dental insurance plans in Montana. Simply click the button below to get started.

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

FAQ

How much is dental insurance in Montana?

There are many dental insurance plans available in Montana to fit any budget. Dental discount plans are available from $6.99 per month, while dental insurance starts at roughly $20 per month.

How much does dental insurance cover in Montana?

There are a variety of dental insurance policies in Montana that cover everything from basic cleanings to significant dental procedures like dental implants, dentures, crowns, and orthodontics.

How do I choose the best dental insurance in Montana?

There is no one-size-fits-all dental insurance since everyone's needs are unique. To choose the best dental insurance in Montana, you have to make sure that the policy covers the treatments you need.

Dentalinsurance.com will guide you in selecting the best dental insurance plan for your needs. You may compare the top dental insurance plans in Montana by entering your ZIP code and date of birth. To get started, just click on the button below.

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Contributors:
Simon specializes in writing content on healthcare and dentistry.
Sources

dphhs.mt.gov: Healthy Montana Kids Dental Plan. Consulted 27th April 2022