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Best Dental Insurance in North Carolina: Insurance Plan Comparisons

Contributors:  

Trying to find the best dental insurance in North Carolina? Deciding on the best dental insurance plan can take some time because there are so many options available.

best dental insurance in north carolina
Dental insurance guide North Carolina

When you require dental treatment, however, having the correct dental insurance can significantly minimize your out-of-pocket costs, so it's well worth the time to thoroughly investigate your alternatives.

Delta Dental of North Carolina is a well-known dental insurance company. Still, it's important to consider all of your possibilities, so keep reading.

You'll find a variety of options while looking for the best dental insurance plans in North Carolina to meet your needs, including:

  • Individual dental insurance
  • Dental and vision insurance
  • Health and dental insurance
  • Dental discount plans
  • Dental plans with no waiting period

We hope that this information will guide you in picking the best dental insurance plan for your individual needs.

Types of dental insurance plans in North Carolina

Benefits of PPO, DHMO, and dental discount plans

Dental Discount Plans: Dental savings plans, often known as “dental discount plans”, are not the same as dental insurance. You pay an annual fee and get a dental discount card that allows you to save money on dental treatment.

DHMO: If you have a DHMO plan, you may be required to choose a single dentist who coordinates all your treatments. These plans are sometimes the most affordable, but they provide less flexibility.

PPO: They are more flexible than DHMO plans because you may select from a wider network of dentists. However, these dental plans are often more expensive.

Family and individual dental insurance NC

Individual dental insurance and group health insurance for companies operate the same way. The main difference between individual dental insurance and employer-sponsored dental insurance is how you pay for it.

Dental insurance for multiple members of the same family is known as family dental insurance. Some employers will cover additional family members for a fee; otherwise, you may have to pay separately for additional coverage.

Health insurance combinations

Some healthcare providers allow you to combine several healthcare products into a single policy, such as vision and medical. If you require multiple types of coverage, this might be an excellent way to save money.

Health and dental insurance

Very few health care providers combine health and dental insurance. But in some cases, dental insurance plans can be purchased as an add-on to comprehensive health care.

Features to look for in dental insurance in North Carolina

When searching for affordable dental insurance in North Carolina, you'll come across some features that may or may not be significant to you. Here are a few crucial factors to consider:

Coverage

When it comes to dental insurance, it's important to consider the treatments you'll need. Of course, a plan that offers free preventive care is preferable. Most dental insurance plans normally cover these services.

dental insurance no waiting period
Dental insurance plans in North Carolina with no waiting period

If you suspect you'll need orthodontic treatment, such as braces or implants, or even teeth whitening, you should look for full-coverage dental insurance in North Carolina that will cover part or all of the expenses.

Waiting period

If you require immediate dental care and want to save money, search for dental insurance plans with no waiting period.

Cost

You could be focused on finding the cheapest dental insurance in North Carolina, but don't forget about the other costs. When searching for the best plan, keep the following things in mind:

Monthly premium: The amount you pay for your insurance each year or month, regardless of whether you make claims.

Annual deductible: The money you must pay out-of-pocket each year before your insurance company will cover any charges is known as your annual deductible.

Co-payment: You must pay a certain amount or a percentage for each treatment you get. The remainder is covered by your dental insurance.

Delta Dental of North Carolina review

dental insurance from Delta
Delta Dental of North Carolina

Delta Dental PPO plans

Delta Dental North Carolina offers three PPO plans. They all include 100% covered preventive care, which includes cleanings, x-rays, exams, and sealants. Also, all of the plans have a $50 deductible.

Delta Dental Preventive Plan

This Delta dental insurance plan fully covers preventive care, as mentioned above. Basic treatments, such as fillings, are covered at 50%. To get coverage for major and orthodontic treatments, you will need to upgrade to a higher plan. The annual maximum benefit is set at $1,000. This NC dental insurance plan has no waiting period.

Delta Dental Enhanced Plan

The Enhanced Delta Dental insurance plan offers gives you 70% coverage on basic services like fillings. There is a 50% reimbursement on major services, such as scaling, root planing, periodontal surgery, root canals, crowns, dentures, bridges, and oral surgery.

For orthodontic coverage, you will have to upgrade to a higher dental insurance plan. Basic services have no waiting period.

take a look at the dental insurance plans of delta dental nc
Get dental insurance coverage with Delta Dental of North Carolina

Delta Dental Premium Plan

This is the only Delta Dental insurance plan that includes orthodontic services, like braces, for children aged 18 and under. The annual maximum benefit is set at $1,500 and an additional $1,000 per person for orthodontics. Only orthodontic treatments are subject to the waiting period.

This is Delta Dental’s most expensive premium plan, but if you know your children will require braces or other orthodontic services, then this might be the best Delta Dental insurance plan for you.

Other dental insurance providers in North Carolina

BlueCross BlueShield dental insurance

BlueCross BlueShield dental insurance in North Carolina offers three individual PPO plans.

Blue Cross dental insurance coverage

Blue Cross Plan

Preventive Care

Deductible

Basic Services

Major Services

Preventive Plan

100% covered in-network

In-network: no deductible

Out-of-network: $250

30% coverage on services like fillings

30% coverage in-network

Value Plan

100% covered in-network

In-network: $50

Out-of-network: $100

80% coverage in-network;

50% out-of-network

50% coverage in-network

Core Plan

100% covered in-network

$75 deductible on basic and major services

70% coverage

50% coverage in-network

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

Humana Dental North Carolina

Humana offers two dental insurance plans in North Carolina. Both plans offer 100% coverage for preventive services, such as cleanings, x-rays, and exams, with no waiting period and no deductible.

humana dental north carolina
Humana dental insurance of North Carolina offers a wide range of policy options

Humana’s Bright Plus Plan (PPO)

This dental insurance in North Carolina has a plan maximum of $1,250 per year per individual. The deductible is $50 per person ($150 per family). However, the deductible is waived for in-network preventive services, as previously mentioned. Fillings and extractions are covered at 60% after a 90-day waiting period.

Humana’s Loyalty Plus Plan (PPO)

Humana’s more expensive insurance plan provides 20% coverage on complex services like root canals, dentures, and deep cleanings. This is a graded plan, which means the coverage percentage increases over the years.

Medicare dental

Medicare is a government health-insurance program for those 65 and older, disabled people, and people with end-stage illness in the United States.

Best Medicare dental plans North Carolina

Delta Dental of North Carolina and FirstCarolinaCare Insurance Company have teamed up to provide Medicare dental coverage.

Comparison

Healthcare provider

Type of plans offered

Features and benefits

Delta Dental

PPO

Large established dentist network

BlueCross BlueShield

PPO

Wide range of plans for every budget

Humana

PPO

Great coverage; monthly and annual payment options

Medicare

Government health-insurance

Combinations with comprehensive health care plans; partnership with Delta Dental North Carolina

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

Conclusion

If your teeth are in excellent condition and you only need preventive care and fillings, a cheaper premium plan will be the best option. Should you need orthodontics, a higher plan with full coverage dental insurance is the preferable choice.

It can be challenging to determine which dental plan would provide you with the most advantages. Compare policies carefully before signing up to make sure you know what you're getting.

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

FAQs

What is the best dental insurance in North Carolina?

It really depends on your specific needs and budget. It also depends on your oral health and preexisting conditions. For example, you might need higher coverage for fillings or orthodontic care.

Dentalinsurance.com will assist you in locating the most economical dental insurance plan in North Carolina. You can compare the top dental insurance plans in North Carolina by entering your ZIP code and date of birth. To get started, just click the button below.

Best Dental Insurance in North Carolina: Insurance Plan Comparisons
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Contributors:
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.