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Best Dental Insurance in North Dakota: Comparison and Plans Review

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dental insurance nd
What is the best dental insurance in North Dakota?

If you're looking for the best dental insurance in North Dakota, you'll find an array of possibilities. But how can you choose the right dental insurance plan for you?

We've already done some of the research for you by sifting through North Dakota's top dental insurance plans and creating this resource to help you choose the best dental insurance for your needs.

We'll cover the following topics in this article:

  • What are the best types of dental insurance in North Dakota?
  • What features to consider when buying a dental insurance plan.
  • Is there dental insurance in North Dakota with no waiting period?
  • List of the best dental insurance plans in North Dakota.

We hope that after reading this article, you will be better prepared to choose a dental insurance plan that matches your needs.

Not from North Dakota? Take a look at our detailed guide to dental insurance in the United States.

Types of dental insurance in North Dakota

We'll start by going through the several forms of dental insurance that are available in North Dakota. Dental plans exist in a wide variety, but they can be categorized into three groups:

dental insurance in nd
What are the most affordable dental insurance plans in North Dakota?
  • PPO plans: Although they have the highest premiums, these plans account for the great majority of dental insurance policies in North Dakota. They're enticing because they give you the most options for choosing a dentist and provide full coverage, even for some major treatments.
  • DHMO plans: These dental plans are usually cheaper than PPO plans. However, you may be required to choose a primary care dentist who will take care of all of your dental treatments. The advantages of DHMO plans are that you typically do not have to pay deductibles and that you don’t have waiting periods.
    With these types of dental plans, you’re going to be charged a fixed co-payment instead of a percentage of the total cost.
  • Dental discount plans: These types of dental plans don’t have waiting periods, and you can start saving from day one of signing up for this membership program. For a very small monthly membership fee, you may save 20–40% on many significant dental procedures.
    These dental discount plans aren't actual dental insurance, so instead of filling out insurance paperwork, you'll have to pay the dentist out of pocket.

What to consider when buying dental insurance in North Dakota

It takes more than a price comparison to find the right dental insurance in North Dakota. The cheapest dental insurance isn't always the best or cheapest option. Consider the following:

Cost

When it comes to dental insurance in North Dakota, a lot of individuals make decisions based on the cost of the monthly premium. However, keep in mind that the overall cost of the dental plan is made up of many distinct components, as shown below:

  • Premium: Your dental insurance premium is the amount you pay to your insurance provider in exchange for coverage. This is a fixed monthly price that will not change for the life of your dental insurance coverage, which is usually twelve months. Whether you make a claim or not, you must pay this cost.
north dakota dental insurance plans
What to consider when buying dental insurance in North Dakota?
  • Co-payment: The patient's contribution to the treatment expenses is called a co-payment. A dental plan usually only covers a portion of the cost of any treatment; the patient is responsible for any costs not covered by the plan (the co-payment).
  • Deductible: The deductible is the amount you must pay out of pocket before your insurance kicks in.
  • Maximum limit: The maximum amount of money a dental insurance policy will pay out in a particular year or during the policy's lifespan.

Coverage

Preventive and diagnostic procedures such as cleanings, x-rays, and examinations are covered by the majority of dental insurance plans in North Dakota. It's a good idea to double-check, however, that the insurance you purchase covers it.

If you require expensive dental procedures such as crowns, root canals, dental implants, or orthodontics, you should get a higher insurance plan that covers these services.

Waiting period

Most dental insurance providers may require you to wait a specific amount of time before receiving certain dental services, particularly if they are expensive.

Typically, dental insurance plans have no waiting period for preventive and diagnostic services. Basic services, like fillings, are usually available after a 3-6 month waiting period. Major services, such as dental implants, dentures, crowns, and root canals, have a 6 or 12-month waiting period with most dental policies.

Orthodontics is the most costly therapy and is covered by the fewest dental insurance plans. There are dental insurance policies that include braces, but you’ll have to pay a higher premium, and you'll probably have to wait a year to get them.

However, there is some exclusion to this, and you can find dental insurance in North Dakota with no waiting period.

Best dental insurance providers in North Dakota

Medicaid is great if you qualify for low-income dental insurance in North Dakota. However, if you are not eligible for Medicaid, you have to look for private dental insurance companies. We've compiled a list of North Dakota's best dental insurance plans, so you can start comparing your options.

humana dental insurance north dakota
Humana dental insurance

Humana

Humana provides a great variety of dental insurance plans in North Dakota.

Humana Preventive Plus (PPO)

This is Humana’s most affordable dental insurance plan in North Dakota. It provides a $1,000 annual maximum per person. You have full coverage for preventive care, which includes exams, routine cleanings, and x-rays. After a six-month waiting period, you get 50% coverage on fillings, extractions, and oral surgery.

A $35 enrollment fee will be charged, and you’re responsible for a $50 deductible.

Humana Loyalty Plus (PPO)

This dental plan rewards loyal customers. The annual maximum benefit is $1,000 in the first year, $1,250 in the second, and $1,500 in the third year. You also have a one-time deductible of $150 for as long as you stay a member of the dental plan.

This is a dental plan with full coverage of cleanings. X-rays are covered by 40–70%. This is a dental insurance plan in North Dakota with no waiting period for any treatments.

Humana Complete Dental (PPO)

The Complete Dental is also a graded plan, with increasing annual maximum benefits. However, the deductible is only $50 per person. Basic services require a 6-month waiting period, and major services require you to wait for 12 months.

Humana Dental Saving Plus Plan (dental discount plan)

This is a dental discount plan with no waiting period, no annual maximum limit, and no deductibles. The discounts are 20–40% on average. If you require immediate dental care, and you are looking for a dental plan in North Dakota with no waiting period, this could be a fantastic option for you.

Delta Dental

delta dental north dakota
Delta Dental of North Dakota

Delta Dental provides a variety of PPO dental insurance plans in North Dakota. Additionally, Delta Dental also offers dental insurance for seniors.

Delta Dental Elite 1000

Delta Dental’s cheaper premium plan gives you a $1,000 annual maximum benefit. A $100 deductible will be charged. Preventive services are covered by 50%, but they don’t count towards the annual maximum, and the deductible is waived.

After a six-month waiting period, you get 50% coverage on periodontal gum care, white fillings, root canals, crowns, dentures, bridges, and dental implants.

Delta Dental Elite 3500

The high premium plan, provided by Delta Dental of North Dakota, functions similarly to the previously mentioned dental plan. However, you get 100% coverage on preventive services and a $3,500 annual maximum limit.

BlueCross BlueShield

Blue Cross Blue Shield dental insurance of North Dakota

Blue Cross Blue Shield of North Dakota offers individual and family dental insurance policies.

Blue Cross Blue Shield Elite Plan

This dental plan gives you full coverage for preventive services, which include cleanings, exams, x-rays, fluoride, and palliative emergency care. Sealants, fillings, extractions, anesthesia, space maintainers, endodontics, and periodontics are covered by 80%. Major treatments, such as prosthodontics, surgical implants, and complex oral surgery, are covered by 50%.

The annual maximum benefit is $1,000 per individual. A $50 deductible will be charged.

Blue Cross Blue Shield Elite+ Plan

This dental plan, provided by Blue Cross Blue Shield in North Dakota, functions in the same way as the “Elite Plan”. However, you get a higher annual maximum benefit and, in addition to this, an orthodontic lifetime maximum of $1,500.

Comparison of dental insurance providers in North Dakota

Type of plans offered

Benefits

Humana

  • PPO

  • Dental discount plan

  • Affordable dental discount plan

  • Very flexible dental insurance plans with yearly increasing benefits

Delta Dental

  • PPO

  • Large network of dentists

  • Great coverage

Blue Cross Blue Shield

  • PPO

  • Group dental insurance

  • Aaffordable plans

  • High annual maximum benefit

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

Specific dental insurance options

If you don't want to go with the dental plans we talked about above, you can also choose more specific options:

  • Dental insurance for seniors: You'll need different dental treatment as a senior as you would as a younger person. As a consequence, many insurance companies offer specific dental insurance plans for seniors, which focus on the dental services the elderly are more likely to require.
  • Braces dental insurance: Just a few of the available dental insurance policies cover orthodontic treatment, and even if they do, you'll be responsible for a substantial co-payment. We have a full article in which we cover the best dental insurance plans for braces in detail.
  • Invisalign dental insurance: Invisalign is a terrific alternative to braces. Most dental insurance providers do not cover it, but there are a few options available. Read our guide to dental insurance policies for Invisalign.
  • Insurance for dental implants: Many dental insurance plans do not cover implants, and if they do cover them, you’ll be responsible for a hefty co-payment. In a separate article, we go over the best options to save money with dental implant insurance.
  • Dental insurance for veterans: If you're still serving or have previously worked in the United States Armed Forces, you are most probably eligible for military dental care.

What if these dental insurance plans don’t cover my required treatments?

Because everyone's needs are different, there's a chance that none of the above solutions will meet your needs. Here are two more options to save money on dental care:

dental insurance nd
What are the other alternatives to dental insurance in North Dakota?
  • Dental tourism: If you require expensive procedures like dental implants or All-on-4, you may want to consider taking a dental vacation abroad. You may save up to 70% in comparison to dental treatment in North Dakota if you do it this way. You can read more about dental holidays in our dental tourism guide.
  • Dental Financing: If none of the dental insurance plans appeal to you, and you don’t want to go abroad for a dental holiday, then a dental loan might be your last and only option. We have a detailed article where we cover how dental financing can help you cover your dental expenses.

Conclusion

Finding the appropriate dental plan might be tricky. Independent of whichever insurance company you choose, remember the following while looking to buy dental insurance in North Dakota:

  • If you anticipate expensive dental treatments such as root canals, dentures, implants, or braces, you may want to look for a higher premium plan that covers these treatments. It will save you money in the long run.
  • On the other hand, if your teeth are in good shape, and you just need preventive care and occasional fillings, then you may want to consider a plan with lower premiums.

Always make sure you fully understand the terms and conditions of the dental insurance policy before making the purchase.

We checked out the top dental insurance plans available in North Dakota and verified whether they were offered in the state's major cities, such as Fargo, Bismarck, Grand Forks, and Minot. Other dental insurance providers, such as Careington, Metlife, Ameritas, Renaissance Dental, Cigna, Guardian Direct, NCD Dental, and Nationwide, may be available depending on your area.

Dentalinsurance.com can assist you in selecting the best dental insurance plan for your requirements. By entering your ZIP code and date of birth, you can begin your search for dental insurance coverage in North Dakota. To get started, just click the button below.

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

FAQ

How much is dental insurance in North Dakota?

There are many different dental insurance plans available for any budget. North Dakota dental insurance starts at $15 per month, while dental discount plans begin at around $7.

Is Humana available in North Dakota?

dental insurance nd
How to find the best dental insurance in North Dakota?

Yes. Dental insurance plans from Humana are available in North Dakota. They have a lot of different dental plans, like a loyalty program and a discount plan.

How much does dental insurance cover in North Dakota?

There are a variety of dental insurance plans available that cover everything from exams and routine cleanings to more complex procedures like braces, crowns, and dental implants.

Can I get dental and vision insurance in North Dakota?

If you are interested in dental and vision insurance plans in North Dakota, get a dental insurance quote from Humana or Blue Cross Blue Shield. Other providers may offer it too.

What is the best dental insurance to get in North Dakota?

There is no universal or one-size-fits-all dental insurance in North Dakota. Humana, Delta Dental, and Blue Cross Blue Shield offer great dental insurance plans for a variety of needs and budgets.

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Simon specializes in writing content on healthcare and dentistry.