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Best Dental Insurance in South Dakota: Comparison and Plans Review

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What is the best dental insurance in South Dakota?

When searching for the best dental insurance in South Dakota, you'll come across a plethora of possibilities.

But how can you choose the right dental insurance for your needs?

When you require dental treatment, having the appropriate dental insurance may help you save money on out-of-pocket expenses. On the other hand, having dental insurance that does not meet your needs may result in higher dental bills.

That's why it's definitely worth your time to look into all of your options for dental insurance in South Dakota.

We've already done some research for you by combing through South Dakota's dental insurance plans and putting up this resource. In this article, we’ll go over the following:

  • What to consider when looking for dental insurance in South Dakota
  • How to find dental insurance in South Dakota with no waiting period
  • List of the best dental insurance providers in South Dakota

We hope that our guide to South Dakota dental insurance will help you select a dental insurance plan that fits your needs.

Different types of dental insurance in South Dakota

We'll start by explaining the various types of dental insurance available in South Dakota. Dental plans come in a broad range of options, but they may be divided into three types:

Dental discount plans:

south dakota dental insurance
What types of dental insurance can save you the most amount of money?
  • Save 10-40% with no waiting period
  • You have to pay the dentist directly (not true dental insurance)

PPO plans:

  • High monthly premiums
  • Most flexibility when choosing a dentist
  • Best coverage

DHMO plans:

  • Fixed co-payments
  • No waiting periods
  • Less flexible than PPO plans

What to look for in a South Dakota dental insurance policy?

When searching for affordable dental insurance in South Dakota, there are a few factors to consider that may or may not be relevant to you. Here are a few of the most important factors to consider:

Cost

You may be focused on getting the cheapest dental insurance in South Dakota, but don't overlook the other expenses. It's important to understand that your dental expenditures aren't just dictated by your insurance premium. The four parameters that determine the overall cost-effectiveness of a dental plan are as follows:

  • Premium: In return for coverage, you must pay this monthly, quarterly, or annual fee whether or not you get treatment.
  • Deductible: This is the absolute minimum amount of money you must spend on dental treatment before your insurance company begins to split your dental expenses with you.
  • Co-payment: This is the amount you must pay out-of-pocket for each treatment. If you have a PPO plan, it will be a percentage of the total treatment cost, while DHMO plans have fixed copayments.
  • Annual maximum limit: The yearly maximum limit refers to the most your dental plan will pay for your treatment during any given plan year. The yearly limits are typically between $1,000 and $3,000.
How to find full coverage dental insurance in South Dakota with no waiting period?

Coverage

Most dental insurance plans provide full coverage for preventive and diagnostic services, which usually include x-rays, exams, and cleanings.

But always double-check whether the dental insurance policy you’re purchasing does cover it. Paying a greater monthly premium in exchange for better coverage might be a good investment.

Finding dental insurance in South Dakota with no waiting period

It can be challenging to find dental insurance in South Dakota with no waiting period.

Most dental insurance plans may require you to wait a certain length of time before obtaining certain dental procedures, particularly if they are expensive.

However, if you need urgent dental treatment, make finding dental insurance with no waiting period a top priority. We'll go over some options below. Moreover, dental discount plans can be a good choice in some cases.

Best dental insurance companies in South Dakota

If you don't qualify for Medicaid's low-income dental insurance, have a look at these private dental insurance providers to get an idea of what's out there and start narrowing down your list.

humana dental insurance south dakota
Humana dental insurance of South Dakota

Humana

Humana offers two affordable dental insurance plans in South Dakota.

Humana Preventive Plus

This dental insurance plan in South Dakota offers a $1,000 yearly maximum benefit. It provides full coverage for preventive treatment inside the Humana dental network and 70% out-of-network.

After six months, you are eligible for 50% coverage on fillings and extractions. More expensive dental procedures are not covered, but you may get a discount. You’re responsible for a $50 deductible per person each year.

Humana Loyalty Plus

From the first through the third year of the Humana Dental Loyalty Plus plan, loyal customers get increasing benefits. Customers who continue with the plan will be rewarded with a one-time deductible. The benefits also include fewer out-of-pocket costs and increased annual maximum benefits.

Preventive care is fully covered in-network and out-of-network. X-rays, fillings, and extractions are covered by 40% to 70%. Crowns, dentures, root canals, and deep cleanings are covered by 20–50%.

Braces are not covered, but you may receive a discount. This is a dental insurance plan in South Dakota with no waiting periods on any of the covered treatments.

delta south dakota dental insurance
Delta Dental of South Dakota

Delta Dental

In addition to individual and family dental insurance plans, Delta Dental of South Dakota offers voluntary group plans and other options. However, our review is only focusing on individual dental insurance plans.

Delta Dental Traditional Plan (PPO)

This Delta Dental insurance policy fully covers diagnostic and preventive services. Fillings, extractions, oral surgery, root canals, and gum disease treatment are covered by 50% with no waiting period.

After a one-year waiting period, you get 50% coverage on crowns, bridges, dentures, and implants. The deductible is $50 per person per year. This Delta Dental plan provides you with a $1,200 annual maximum benefit.

Delta Dental ACA Standard Plan

Delta Dental’s ACA standard plan provides you with a $1,000 annual maximum benefit. You’re responsible for a $100 deductible per year per person. Preventive care is fully covered. Fillings are covered at 60% with no waiting period.

After one year, you’ll get access to 40% coverage on all other major treatments. This includes crowns, bridges, dentures, implants, root canals, gum disease treatment, extractions, and oral surgery. In addition, you get 40% coverage on braces for children under the age of 19.

Metlife

Metlife dental insurance south dakota
Metlife dental insurance

Metlife provides a range of individual and family dental insurance plans in South Dakota.

Metlife Dental Low Plan (PPO)

This is the most affordable dental insurance provided by Metlife in South Dakota. Preventive care, which includes exams, x-rays, and cleanings, is covered by 100% in-network and out-of-network. After a six-month waiting period, you get 50% coverage on fillings and extractions.

The annual maximum benefit is $750 per person per year. You will be charged a $75 deductible for individual dental insurance and $225 for family dental insurance.

Metlife Dental High Plan (PPO)

With Metlife’s highest premium plan, you’ll get a $2,000 yearly maximum benefit. This dental insurance policy will only charge you $25 for individual dental insurance and $75 for family dental insurance.

Fillings, extractions, and deep cleanings are covered by 80% after six months. Crowns, root canals, dentures, implants, and braces are covered at 50% after a 12-month waiting period.

Comparison of dental insurance plans in South Dakota

Type of plans offered

Benefits

Humana

PPO

  • Flexible plans with yearly increasing benefits

  • Plans with no waiting period

Delta Dental

PPO

ACA dental plans

  • Large network of dentists

  • Great variety of plans with broad coverage

Metlife

PPO

  • Affordable 

  • Flexible plans

  • 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 possibilities for dental insurance

Didn't identify any dental insurance plans that fit your needs?

In addition to the dental plans described above, you have a variety of other specific dental insurance options to choose from, including:

Conclusion

When looking for the best dental insurance plan in South Dakota, keep the following in mind regardless of which company you go with:

  • A low-cost premium plan is the best choice if your teeth are in pretty good health, and you just require routine cleanings and maybe a filling.
delta dental insurance of sd
How to get the ideal dental insurance in South Dakota?
  • If you think you will need costly treatments in the future, then go with a higher premium plan that offers better coverage. It might be more cost-effective in the long term.

As much as we'd want to suggest a dental insurance plan in South Dakota, there is no such thing as a universal or one-size-fits-all solution, since everyone's needs are unique.

We looked into South Dakota's most popular dental insurance plans and double-checked that they were offered in significant cities, including Sioux Falls, Rapid City, and Aberdeen. However, based on where you live, you may also be able to get dental insurance from Blue Cross Blue Shield, Careington, Ameritas, Cigna, or Renaissance Dental.

Dentalinsurance.com can assist you in determining which dental insurance plan is suitable for your needs. To begin looking for dental insurance alternatives in South Dakota, enter your ZIP code and date of birth. Simply follow the button below to get started.

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 South Dakota?

In South Dakota, there are a variety of dental insurance plans to suit any budget. Dental discount plans start at $9 per month, while the cheapest dental insurance policies start at roughly $18.

Is dental and vision insurance available in South Dakota?

dental insurance sd
How to choose the best dental insurance in South Dakota with no waiting period?

If you qualify for low-income dental insurance, you can get it via Medicaid. However, there are also private dental insurance companies like Humana that might offer insurance combinations.

How much does dental insurance cover in South Dakota?

You can buy dental insurance policies in South Dakota that cover just preventive care and are cheaper. However, you can also buy full-coverage dental insurance, which has a higher monthly premium.

How to choose the best dental insurance in South Dakota?

Everyone's ideal dental plan is different since every individual's requirements are unique. Don't only look at the price of the premium; also look to see if the policy covers the treatments you need.

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

Because everyone's demands are different, there is no such thing as one-size-fits-all dental insurance. Humana, Metlife, and Delta Dental all offer great dental insurance plans in South Dakota.

Dentalinsurance.com can assist you in finding the most appropriate dental insurance plan for your needs. To begin your search for dental insurance in South Dakota, enter your ZIP code and date of birth. Simply click the button below to get started.

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