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Best Dental Insurance in Vermont: Comparison and Dental Plan Reviews

Simon Frers
Simon Frers
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Looking for dental insurance in Vermont? We understand how difficult it may be to choose the right dental plans for you or your family.

However, there is some good news! We've already have done some of the legwork for you, and come up with a list of the best dental insurance plans in Vermont, as well as information on the following:

  • What types of dental insurance are available in Vermont?
  • How to find dental insurance in Vermont with no waiting period
  • A list of the top dental insurance providers in Vermont.

Make sure you're looking into all of your options before purchasing dental insurance. It's certainly worth your effort to research all of your opportunities. When it comes to dental care, having the appropriate dental insurance may drastically reduce your out-of-pocket expenses. On the other hand, dental insurance that does not meet your needs will result in further dental costs.

We hope that this information will help you choose dental insurance in Vermont that meets your needs.

Not from Vermont? Read our in-depth guide to dental insurance in the United States.

Types of dental insurance plans in Vermont

dental insurance for vermont
What types of dental insurance in Vermont save you the most amount of money?

We'll start by going through the several types of dental insurance that are available in Vermont. Dental plans can be grouped into three main categories:

Dental discount plans: These dental discount plans, also known as dental savings programs, are a great way to save money if you need dental medical care right away.

When you sign up for this monthly or yearly subscription, you will get a membership card that entitles you to discounts on dental treatments. The most significant advantage of dental discount plans is that there is no waiting period and treatment may begin right away.

PPO plans: These plans account for the vast majority of dental insurance policies in Vermont, despite having the highest rates. They're appealing because they give you the most options when it comes to picking a dentist and provide comprehensive coverage, even for more expensive procedures.

DHMO plans: These dental insurance policies are usually less costly than PPO plans. You may, however, be obliged to choose a primary care dentist who will handle all of your dental needs.

They also have some significant benefits. Instead of a percentage of the total cost, you'll be charged a fixed copayment. Also, there are often no deductibles to pay and there are no waiting periods.

You can compare the best plans in your area now! Enter your zip code and DOB below to get started!

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Other dental insurance options in Vermont

There are other insurance options for specific populations.

  • Dental insurance for veterans: If you're still serving or have previously served in the United States Armed Forces, you are most likely eligible for military dental insurance.
dental insurance in vt
What type of dental insurance is suitable for you?
  • Dental insurance for seniors: Dental insurance for seniors is comparable to that for younger people, with the distinction that it concentrates on treatments that seniors are more likely to need. Among the procedures covered are root canals, dentures, dental implants, and crowns. Although these treatments are not limited to seniors, they are more likely to be required by them.
  • Dental insurance for braces: Even if your dental insurance policy covers orthodontic treatment, there will be most likely a large copayment for you to cover. Looking for specific supplemental insurance plans that cover braces as an alternative to paying a high premium may be a reasonable option. You can read our detailed guide on dental insurance for braces.
  • Dental implant insurance: Because dental implants are such a pricey treatment, many insurance companies do not cover them. Read our complete article on dental insurance for dental implants to find out which insurance companies cover it and what you can do to save money on this expensive procedure.
  • Dental insurance for Invisalign: Invisalign is a fantastic alternative to braces. However, this treatment is also very expensive and most dental insurance plans don’t cover it. Read our in-depth article about Invisalign insurance to discover what options you have.

What features to consider when choosing dental insurance

Finding the right dental insurance in Vermont requires more than price comparison. Dental insurance that is the lowest isn't necessarily the most cost-effective or best solution. You should also consider the following aspects:


You may have been just interested in finding the cheapest dental insurance in Vermont, but don't overlook the other costs. It's crucial to know that your dental costs aren't just determined by your premium. Here are the four conditions that determine a dental plan's overall cost:

  • Premium: Regardless of whether or not you get treatment, you have to pay this monthly, quarterly, or yearly fee in exchange for coverage.
  • Maximum annual limit: The annual maximum limit is the utmost amount your dental plan will pay for your treatment in any given plan year. The annual restrictions are usually between $1,000 and $2,500.
  • Deductible: This is the minimum amount of money you must spend on dental care before your insurance company will start sharing the dental bills with you.
  • Co-payment: This is the amount you must pay for each treatment out of pocket. If you have a PPO plan, this may be a percentage of the overall cost. With DHMO plans, you get charged a fixed amount.
What Vermont dental insurance plans provide the best coverage?


Most dental insurance plans cover preventative and diagnostic dental procedures like exams, x-rays, and cleanings, but make sure you read the fine print before you sign up for a plan.

If you need more complex procedures such as crowns, orthodontics, dental implants, or teeth whitening, you should choose a plan that includes these services, as they can be pricey.

Getting dental coverage with no waiting period

Most dental insurance policies may require you to wait a set amount of time before getting certain dental procedures, especially if they are costly.

While most dental insurance plans have no waiting period for diagnostic and preventive care, you're required to wait three months for basic treatments. To receive major treatment, you typically have to wait between six and twelve months. Dental implants and orthodontics usually have the longest waiting periods.

Since it's not easy to find dental insurance in Vermont with no waiting period, here are a few tips to get you what you need faster:

  • Sign up for a dental discount plan: The coverage percentages aren't enormous, but you can start saving right away without a waiting period.
  • Check out Humana’s Loyalty Plan: You might not have huge savings in your first year of dental insurance, but you'll get a little discount on major treatments like dental implants and orthodontics.
  • Have a look at Delta Dental's Arcadia Plan

If none of these options covers your treatments, then you might want to consider one of these two possibilities:

  • If you require very expensive treatments such as dental implants or All-on-4s, then you might want to consider going overseas for a dental holiday. This way, you can save up to 70% off the cost of dental treatment. Our dental tourism guide has more information on dental vacays.
  • You can use our dental financing options to pay for your dental treatment. You'll find more information on this in our dental financing guide.

The best dental insurance providers in Vermont

If you don't qualify for low-income dental insurance with Medicaid, then take a look at these private dental insurance companies so you can get a sense of what's available and start narrowing down your choices.

delta dental of vermont
Delta Dental of Vermont

Delta Dental

Delta Dental offers a wide range of insurance plans in Vermont.

Delta Dental Arcadia Plan

The annual maximum benefit with this plan is $750 per person ($1,500 under certain conditions). The deductible is $50 per person per year (which only applies to basic and major services).

Preventive services, including exams, cleanings, x-rays, topical fluoride, and sealants, are covered at 100%. Basic services such as bleaching, fillings, and extractions are covered by 50%. Major services like veneers, crowns, dentures, implants, root canals and orthodontics are covered by 25%.

These services are immediately available, so this can be a great plan if you’re looking for dental insurance in Vermont with no waiting period.

Delta Dental Granite Plan

The coverage percentages are the same as with the Arcadia plan, with the difference that major services are covered at 50% with no waiting period. Orthodontics, on the other hand, is not covered.

The yearly maximum benefit is $1,250 per person ($2,500 if certain conditions are met). The deductible is $50 per person per year. But this fee will be charged only for basic and major services.

Delta Dental Catamount Plan

This Vermont dental insurance plan fully covers preventive care. Basic services are covered by 80% and major services by 50%. The plan's dollar maximum is $1,750 per person per year ($2,500 if certain conditions are met). As with the other plans, there’s a $50 deductible for basic and major services.

guardian direct in vermont
Guardian Direct dental insurance of Vermont

Guardian Direct

Guardian Direct offers a number of PPO plans in Vermont.

Guardian Direct Advantage Starter

This dental insurance plan gives you a graded yearly maximum benefit. The limits will be $500 in the first year, $750 in the second year, and $1,000 in the third year.

Exams, cleanings, and x-rays are fully covered with no waiting period, regardless of whether you go to an in-network or out-of-network dentist. Fillings and extractions are covered by 50% after a six-month waiting period. If you go to out-of-network dentists a $50 deductible will be charged.

Guardian Direct Advantage Core

This Vermont dental insurance plan has the same graded annual maximum benefit as the Starter Plan. It also has a $50 deductible, which will be waived for preventive services at in-network dentists.

Exams, cleanings, and x-rays are covered 80% in-network as well as out-of-network. After 6 months, you have access to 50% coverage on fillings and extractions. Crowns, root canals, dentures, deep cleanings, and implants are covered by 50% after a 12-month waiting period.

Guardian Direct Advantage Diamond

This dental plan gives you a $1,500 yearly maximum benefit. In addition to this, you get a $500 benefit on orthodontics, $500 on teeth whitening, and $1,000 for dental implants.

You have 100% coverage for preventive care and 80% coverage for fillings and extractions after 6 months. All major services are covered by 50% after 12 months. This includes coverage for braces and teeth whitening.

Metlife of Vermont
MetLife dental insurance of Vermont


MetLife offers three dental insurance plans in Vermont.

MetLife Dental Low Plan

MetLife’s most affordable dental insurance plan in Vermont gives you a $750 maximum benefit per year. A $75 deductible will be charged for individual dental insurance and a $225 deductible for family dental insurance.

Exams, cleanings, and x-rays are 100% covered in-network and out-of-network. Fillings and extractions are covered by 50% after a six-month waiting period.

MetLife Dental Medium Plan

This dental insurance plan gives you a $1,500 annual maximum per year. The deductible is $50 per person and $150 per family per year.

Preventive care is fully covered, while fillings and extractions are covered by 70% after six months. Major services such as crowns, root canals, dentures, deep cleanings, and implants are covered by 50% after a 12-month waiting period.

MetLife Dental High Plan

The highest MetLife plan in Vermont gives you a $2,000 yearly maximum. The deductible is $25 for individual dental insurance and $75 for family dental insurance.

Preventive care is fully covered. Fillings, extractions, and deep cleanings are covered by 80% after 6 months. Crowns, root canals, dentures, implants, and braces are covered by 50% after a 12-month waiting period.


Type of plans offered


Delta Dental


  • Flexible plans with good coverage

  • Large network of dentists

Guardian Direct


  • Affordable plans

  • Plan variety



  • Affordable and flexible dental insurance plans

  • You get the same coverage if you go to an in-network or out-of-network dentist

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


Identifying the perfect dental plan may be difficult, and you may be uncertain about what sort of dental insurance is best for you.

Regardless of which provider you select, keep the following in mind when looking for the best dental insurance in Vermont:

  • If your teeth are in good shape and you just require preventive care and fillings, a low-cost premium plan is the best option.
  • However, if you require dental implants, braces, or other expensive procedures, upgrading to a higher premium plan might save you more money in the long run.
  • Make use of your dental insurance if it includes preventive care. Regular dental exams and cleanings will keep your teeth in good shape and save you money in the long term.

We researched the most popular dental insurance plans in Vermont and double-checked that they were available in the state's key locations, like Burlington, Essex, and Montpelier. However, some other dental insurance providers like Ameritas, Cigna, BlueCross BlueShield, Humana, and Renaissance Dental might be available based on where you live. can help you choose the most suitable dental insurance for your needs. You may start researching dental insurance plans in Vermont by entering your ZIP code and date of birth. Simply click 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.


How much is dental insurance in Vermont?

There is a range of dental insurance policies available in Vermont to fit any budget. Dental discount plans start at $6.99, and the cheapest dental insurance plans start at around $19 per month.

How to choose the best dental insurance in Vermont?

Because everyone's needs are unique, everyone's ideal dental plan is different. In addition to the cost of the premium, you should also consider what treatments the dental insurance will cover.

vermont dental insurance low income
What does low-income dental insurance in Vermont cover?

Is dental and vision insurance available in Vermont?

In Vermont, you should be able to get dental and vision insurance via Medicaid. If you don't qualify for Medicaid, private dental insurance companies may also offer a combination policy.

How much does dental insurance cover in Vermont?

Dental insurance policies cover everything from x-rays, exams, and routine cleanings to more expensive treatments such as dentures, dental implants, crowns, and braces.

Is Humana available in Vermont?

Yes. Humana offers a dental savings plan that has no annual maximum limit and no waiting period. It covers most dental procedures, from preventive care to more complex ones like implants and braces.

What is the best dental insurance to get in Vermont?

There is no such thing as one-size-fits-all dental insurance since everyone has different needs. There are a few good companies to choose from in Vermont, such as Humana, MetLife, and Delta Dental.

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