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Best Dental Insurance in Rhode Island: Comparison and Plans Review

Contributors:  Simon Frers

You'll find a wealth of options while looking for the best dental insurance in Rhode Island.

But how do you determine which dental insurance is right for you?

We've already done some of the work for you by looking through Rhode Island's dental insurance plans and putting together this guide to help you. We'll discuss in detail in this article:

  • What are the best types of dental insurance in Rhode Island?
  • What to look for in dental insurance
  • Is there dental insurance in Rhode Island with no waiting period?

We hope that the information here will help you choose dental insurance in Rhode Island that meets your needs.

Best types of dental insurance in Rhode Island

To begin, we'll go through the different forms of dental insurance available in Rhode Island. A lot of different dental plans are out there, but they can be broken down into these three groups:

  • PPO plans: This type has the highest monthly premiums, but also the best coverage and flexibility.
  • DHMO plans: These are less expensive than PPOs, but also less flexible. You typically do not have waiting periods and fixed co-payments.
  • Dental discount plans: These dental savings programs will make you eligible for 10-40% savings with no waiting period and no deductible. However, keep in mind that this is not dental insurance, and you will have to pay the dentist directly.

What features to look for in dental insurance

ri state dental insurance
What features to look for in a dental insurance policy?

It takes more than a price comparison to figure out the best dental insurance in Rhode Island. The cheapest dental insurance upfront isn't always the most cost-effective in the long run.

You should also think about the following aspects:

Total cost

It's important to keep in mind that your dental expenses aren't just determined by your insurance premium. The following are the four factors that affect a dental plan's total cost-effectiveness:

  • Premium: Whether you make an insurance claim or not, you must pay this monthly or yearly fee in exchange for dental insurance coverage.
  • Copay: A copayment is an amount you must pay out-of-pocket for each treatment.
  • Deductible: This is the very minimum you must spend on dental care before your insurance company starts to share the dental bills with you.
  • Annual maximum limit: The yearly maximum limit refers to the most your dental plan will pay for your treatment during any particular plan year.


dental insurance in Rhode Island with no waiting period
How to find dental insurance in Rhode Island with no waiting period?

Preventive treatments are fully covered by most of the dental insurance plans in Rhode Island. If you need pricey dental procedures like dental implants, root canals, or braces, make sure they're covered by the dental insurance plan you pick.

Waiting period

Finding dental insurance in Rhode Island without a waiting period can be difficult.

Most dental insurance providers will ask you to wait a fixed period of time before getting certain dental treatments, especially if they are costly. But there are some options, which we will cover below in this article.

Dental insurance reviews Rhode Island

If you don't qualify for Medicaid's low-income dental insurance, look into these private dental insurance companies to get a sense of what's available and begin narrowing down your options.


metlife dental insurance rhode island
Metlife dental insurance of Rhode Island

Metlife provides various PPO dental plans in Rhode Island.

Metlife Low Plan

This dental insurance plan in Rhode Island gives you a $750 annual maximum. The yearly 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. Fillings and extractions are covered by 50% after six months.

Out of the three offered plans, this one has the cheapest monthly premium.

Metlife High Plan

This dental plan, provided by Metlife in Rhode Island, has the most expensive dental insurance premium. However, it offers you an annual maximum limit of $2,000. In addition, you also get a child orthodontic lifetime maximum of $1,000. The yearly deductible is just $25 per person ($75 for family dental insurance).

After a 6-month waiting period, fillings, extractions, and deep cleanings are covered by 80%. Crowns, root canals, dentures, and implants are covered by 50% after a 12-month waiting period.

Delta Dental

Delta Dental of Rhode Island

Delta Dental offers a huge variety of dental insurance plans.

Delta Dental Patient Direct: This is a dental discount plan that requires you to pay the dentist directly at the time of treatment without any paperwork or insurance claims.

DeltaCare® (DHMO): With the DeltaCare plans, you have no annual maximums and no deductibles. Furthermore, the dental insurance premium is typically cheaper than the other options.

Delta Dental PPO: This is Delta Dental's preferred-provider option program. It has an annual maximum limit, and you will be charged a yearly deductible. However, you get the most flexibility when it comes to choosing a dentist, and you have the best coverage.

Delta Dental also offers dental and vision insurance combinations, if this is something you’re interested in.

AAA dental insurance (provided by Delta Dental)

AAA members who live in Rhode Island can receive a discount when enrolling in a Delta Dental plan. These are PPO plans with a maximum benefit of $1,000-$2,000. It's possible that you'll have to pay an enrollment fee.

careington dental discount plan
Careington dental discount plan


Careington offers a great dental discount plan in Rhode Island. This dental saving program has no waiting time. So this can be a good alternative if you’re looking for a dental plan in Rhode Island with no waiting period.

You can save 20% to 60% on most dental services, including exams, cleanings, and major dental work such as root canals, dentures, and crowns. If you require braces or teeth whitening, you can save around 20% off your total expenses.


ameritas dental insurance ri
Ameritas dental insurance of Rhode Island

The health insurance provider Ameritas also offers dental insurance plans in Rhode Island.

Hollywood Mega Smile 1500

This Ameritas dental plan covers exams and cleanings at 100% after paying the $100 yearly deductible. The coverage percentages are graded and are set to increase from year one through three. You get 50–80% coverage on x-rays and fillings with no waiting period.

Major treatments such as crowns, root canals, dentures, and deep cleanings are covered by 20% in the first year, 30% in the second year, and 50% in the third year. This dental insurance plan has no waiting period for any of these services. The yearly maximum is set at $1,500 per person.

Comparison of dental insurance in Rhode Island

Type of plans offered




  • Aaffordable dental insurance plans

  • Highly flexible plans

  • You get the same coverage in-network and out-of-network

Delta Dental

PPO, DHMO, dental discount plans

  • Large network of dentists

  • Great variety of dental plans with good coverage

AAA dental insurance


  • Large network of dentists

  • Great variety of dental plans with good coverage


Indemnity plans

  • Dental plans with no waiting period and good coverage

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


Consider the following points while searching for the best dental insurance plan in Rhode Island, regardless of which provider you choose:

  • If your teeth are in good shape and you just need routine cleanings and possibly a filling, a low-cost premium plan is the best option.
  • If you suspect you'll require expensive treatments down the road, choose a higher-priced plan with more coverage. In the long term, it'll be more cost-effective.
What is covered by dental insurance in Rhode Island?

It’s crucial to take advantage of preventive routine cleanings if your dental insurance covers them. Regular dental exams and cleanings will keep your teeth healthy and save you money for the future.

Ultimately, which dental insurance plan in Rhode Island is the best?

Despite all efforts, there is no universal or one-size-fits-all dental insurance plan, since everyone's requirements are different.

We researched the most popular dental insurance plans in Rhode Island and double-checked that they were available in major cities such as Providence, Cranston, Warwick, and Pawtucket. Depending on where you reside, Cigna, Guardian Direct, Nationwide, Humana, AARP, or Renaissance Dental may also be able to provide dental insurance. can help you figure out which dental insurance plan is the best fit for you. Enter your ZIP code and date of birth to start exploring dental insurance options in Rhode Island. 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.


How much does dental insurance cover in Rhode Island?

There are a variety of dental insurance plans in Rhode Island that cover everything from routine cleanings and exams to major dental procedures like dental implants, crowns, dentures, and braces.

How much is dental insurance in Rhode Island?

state dental insurance ri
What is covered by dental insurance in Rhode Island?

There are many dental insurance plans available in Rhode Island to fit any budget. Dental discount plans start at $8.95 per month, while dental insurance starts at roughly $17 per month.

Is Humana available in Rhode Island?

Yes. Dental insurance plans from Humana are available in Rhode Island. They have a very affordable dental discount plan available. It has no annual limit, no waiting period, and you pay no deductible.

How to choose the best dental insurance in Rhode Island?

Because everyone's needs are unique, everyone's perfect dental plan is different. In addition to the policy's cost, you should think about the treatments the insurance should cover.

What is the best dental insurance to get in Rhode Island?

There really is no such thing as one-size-fits-all dental insurance since everyone's needs are different. Metlife, Humana, Ameritas, and Guardian Direct are all excellent dental insurance companies.

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Simon specializes in writing content on healthcare and dentistry. He is also the country manager for