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Best Dental Insurance in Tennessee: Plans Comparison and Review

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dental insurance in tennessee
Compare the best dental insurance plans in Tennessee

Are you seeking to get dental insurance in Tennessee? If that's the case, we understand how tough it may be to sort through the various dental plans offered to you.

In this guide, we've compiled information on the best dental insurance plans in Tennessee. There are many reputable providers available, such as Delta Dental, Humana, Metlife, Cigna, and Blue Cross Blue Shield Tennessee. We'll go over the best affordable Tennessee dental insurance plans and provide you with advice on how to choose the one that's right for you.

The following are some of the topics we'll cover in our guide:

  • PPO vs. DHMO plans
  • Dental discount plans
  • Dental plans in Tennessee with no waiting period
  • Dental and vision insurance

We hope you can confidently make the right decision for your requirements after reviewing the various options for affordable dental insurance in Tennessee.

The nationwide dental insurance guide can be found by clicking here.

Comparison of different types of dental insurance plans in Tennessee

Individual dental insurance

Dental insurance for individuals and business group health insurance work in the same way. The primary difference between individual dental insurance and employer-sponsored dental insurance is how it is obtained.

PPO, DHMO, and dental discount plans

dental insurance in tennessee for individuals
Individual dental insurance and dental discount plans

A DHMO plan may require you to select a single dentist who will manage all of your treatments. These are the most affordable dental insurance plans in Tennessee, but they have fewer options.

PPO plans are usually more expensive, but they provide you more freedom since you can select from a bigger network of dentists.

A dental discount plan, also known as a “dental savings plan”, is not insurance, but it is a good option if you need to save money on dental treatment right away. In exchange for your monthly or yearly premium, you obtain a predefined discount on treatments from dentists in the insurer's network. As part of your dental discount plan, you may be eligible for free preventative and diagnostic services.

Dental and vision insurance

In Tennessee, dental and vision insurance are typical healthcare combinations. This pairing may help you save money each month while also simplifying your insurance paperwork. A great provider for dental and vision insurance in Tennessee is the healthcare provider Blue Cross Blue Shield.

Health and dental insurance

Only a few healthcare providers offer both medical and dental coverage. But there are a few providers that offer a combination of health and dental insurance in Tennessee. Healthcare providers who offer medical and dental insurance combinations are Cigna and Blue Cross Blue Shield, but there are many others.

What to look for in a Tennessee dental insurance

You may be focused on getting cheap dental insurance in Tennessee, but don't forget to factor in other costs and the waiting period:

Cheap vs full-coverage

If your teeth are in overall good condition, a low-cost dental insurance plan with a higher deductible and co-payments may be appropriate. However, if you require a lot of treatments, it may be more cost-effective to pay a higher premium but have higher coverage.

Waiting period

Look for dental insurance plans in Tennessee that have no waiting period if you require dental care right away and want to save money.

Best dental insurance providers in Tennessee

delta dental of tennessee
Delta Dental of Tennessee

Delta Dental of Tennessee

Delta Dental of Tennessee offers three PPO plans. You have the choice to select any dentist with these Delta Dental insurance plans in Tennessee, but you will save more money if you visit an in-network dentist. With these Delta Dental PPO plans, the annual maximum benefit increases after the first year. Also, all three plans provide you with 100% covered in-network preventive services. Preventive services include exams, cleanings, and x-rays.

Delta Dental Essential PPO plan

Delta Dental Superior PPO plan

Delta Dental Brighter PPO plan

Cleanings

100%

100%

100%

White fillings

25-80%

50-80%

50-80%

Crowns

10-25%

25-50%

25-50%

Root canals

10-25%

25-50%

25-50%

Simple extractions

25-80%

50-80%

50-80%

Deductible

$50 per person

$150 maximum per family

$50 per person

$150 maximum per family

$50 per person

$150 maximum per family

Plan maximum

$500 – year 1

$750 – year 2

$1,000 – year 3 (+)

$500 – year 1

$1,000 – year 2

$1,250 – year 3 (+)

$750 – year 1

$1,000 – year 2

$1250 – year 3

$1500 – year 4 (+)

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

Humana

humana dental insurance tennessee
Humana dental insurance offers a wide variety of plans

Humana dental insurance Tennessee offers one DHMO and two PPO plans.

Humana of Tennessee DHMO plan

Humana Dental of Tennessee requires you to choose a dentist before enrolling, but you may change dentists at any time. You may choose to pay the premium monthly or yearly. There is no charge for cleaning, exams, and x-rays. Basic and major treatments all have a set fee. For example, amalgam fillings cost $30 and white fillings $45.

Humana of Tennessee Preventive Plus (PPO)

Preventive services have no waiting period and are 100% covered in-network (70% out-of-network). Basic services, like fillings and extractions, are covered at 50% in-network and have a 6 month waiting time. Humana’s preventive plus dental insurance plan features an annual maximum of $1,000 per year and a $50 deductible per individual.

Humana of Tennessee Loyalty Plus (PPO)

Humana Tennessee’s Loyalty Plus dental insurance plan is different from the others mentioned above. Exams and cleanings are free of charge. Basic, and major treatments, such as deep cleanings, dentures, root canals, crowns, extractions, and fillings, have a coverage percentage that increases every year. Also, the plan maximum increases from $1,000 in year one, to $1,250 in year two, and then to $1,500 in year three.

blue cross blue shield of Tennessee
Blue Cross Blue Shield of Tennessee offers good combinations, such as dental and vision insurance plans

BlueCross BlueShield of Tennessee

BlueCross BlueShield of Tennessee has a single Personal Dental Coverage plan as well as combination plans. The personal, or individual plan, gives you access to over 3,000 providers in Tennessee. It has a set annual maximum of $1,000. The deductible is $50 for individuals and $150 for a family. Basic and major treatments have a fixed fee.

There are also dental and vision plans offered by BlueCross BlueShield in Tennessee.

Conclusion

Type of plans offered

Features and benefits

Delta Dental

PPO

Large dental network; Yearly increasing benefits

Humana

PPO, DHMO

Great variety of dental insurance plans for all budgets and requirements

Blue Cross Blue Shield

PPO, DHMO

Personal plan with great benefits; There are also affordable dental and vision plans available

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

If your teeth are in better form and you just need preventive care and fillings, a more affordable premium plan will be the best choice. A bigger plan with full-coverage dental insurance is a better choice if you desire orthodontic treatment.

Before you buy a dental plan, read the policy carefully and ensure that you understand what you're signing up for.

Ultimately, what is the best dental insurance in Tennessee?

There is no one-size-fits-all option since it depends on your personal needs and budget.

We combed through Tennessee's best dental insurance plans and double-checked their availability in major cities like Memphis and Nashville TN. Different dental insurance providers, such as Cigna, Guardian Direct, Nationwide, Metlife, or Renaissance Dental may be available depending on the area.

Dentalinsurance.com may assist you in locating the best dental insurance coverage for you. You can compare the top dental insurance plans in Tennessee by entering your ZIP code and date of birth. To get started, just click the button below.

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

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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.