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Best Dental Insurance in Virginia: Comparison and Plan Review

Natalie Asmussen
Natalie Asmussen
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Looking for the best dental insurance in Virginia? Because Virginia has so many dental insurance providers, selecting the right plan for you might be challenging. Getting the right dental insurance, on the other hand, may substantially lower your out-of-pocket costs when you need dental care, so it's well worth the time to properly research your options.

We'll go over the various dental insurance plans available in Virginia in this article, including:

  • Individual dental insurance plans
  • Private dental insurance
  • Dental insurance for seniors
  • Dental insurance in Virginia with no waiting period

We hope that this information will help you choose the best dental insurance in Virginia for your specific requirements.

Do you live in another state? See our comprehensive national dental insurance guide for more information.

Types of dental insurance plans in Virginia

Advantages of DHMO, PPO, and dental discount plans

PPO plans: The large majority of dental insurance plans are PPOs. They're quite popular since they provide a lot of flexibility. Although PPO plans have higher premiums and deductibles, you may be eligible for additional benefits such as discounts on dental implants, braces, and cosmetic treatments.

DHMO plans: This kind of dental insurance typically has the lowest cost and frequently includes free preventive care. However, you may be required to choose a primary care dentist from a limited network of dentists.

dental insurance plans west virginia
What are the most affordable dental insurance plans in Virginia?

Dental discount plans: dental savings programs are not the same as the dental insurance plans listed above. This is simply because it is not a real insurance policy. It's a membership program in which you pay a fee and get a discount card that enables you to save money on dental procedures.

Individual dental insurance Virginia

The individual dental insurance and employer-sponsored dental insurance differ primarily in how they are purchased. Both achieve the same result and offer the same features.

Dental insurance for seniors in Virginia

Dental insurance for seniors is equivalent to that for younger people, with the distinction that it concentrates on treatments that seniors are more likely to need. Among the procedures offered are root canals, dentures, crowns, and tooth replacement. Although these treatments are not limited to seniors, they are more likely to be required for the elderly. Dental insurance for seniors in Virginia is known to be provided by Cigna, Humana, Delta Dental, and Medicare (if you are eligible), but there may be many more options.

Supplemental dental insurance

Supplemental dental insurance may be purchased to complement an individual's current dental coverage. It may serve as a bridge if the yearly spending limit on the primary insurance plan is reached or if the policy does not cover necessary or recommended dental procedures. If you're looking for supplemental dental insurance in Virginia, consider BlueCross BlueShield or Delta Dental. However, there may be other alternatives.

Insurance combinations

Some healthcare companies now provide dental and vision insurance, allowing customers to acquire all of their policies in one place. “Medical and dental” or “health and dental insurance” are also popular combinations. If you need both, this might be an effective way to cut your insurance costs. If you're searching for dental and vision insurance in Virginia, Humana, Delta Dental, and Anthem are good options.

What to consider before buying dental insurance in Virginia

Finding the ideal dental insurance in Virginia requires more than a price check. Dental insurance that is the cheapest isn't always the most cost-effective or best possible solution. You should also consider the following aspects:

dental insurance virginia no waiting period
What is the best dental insurance in Virginia with no waiting period?


When it comes to dental insurance in Virginia, the cost is the most important consideration for most individuals. Various factors go into the total plan cost:

  • Premium: a fixed fee paid monthly or yearly, regardless of how often you obtain dental care.
  • Copay: A co-payment is a fixed cost or a percentage of the total amount you must pay the dentist at the time of treatment.
  • Deductible: the amount you must pay out of pocket before your insurance kicks in and pays towards the cost of services.
  • Maximum limits: the maximum amount a policy will pay out, either annually or for a policy's lifespan. You're accountable for anything beyond that amount after you've exceeded it.


When it comes to coverage, you should think about the services you'll need. A plan that includes preventive care is, of course, excellent. These services are usually covered by most insurance policies. More advanced dental services like implants, orthodontics, and teeth whitening are not always covered, though. If you require complex or major treatments, find a Virginia dental insurance plan that covers these.

Dental insurance with no waiting period

Some plans will require you to wait a specified time before receiving certain services. Others don't have a waiting time. If having immediate access to dental treatments is vital to you, be sure to prioritize this while looking for the best dental insurance in Virginia.

Comparison of Virginia’s dental insurance plans

To help you compare your options, we've compiled a list of the best dental insurance plans in Virginia.

delta dental virginia
Delta Dental of Virginia

Delta Dental insurance Virginia

Individuals and families may choose from several dental insurance plans offered by Delta Dental of Virginia.

Delta Dental Basic Plan

This is Delta Dental Virginia’s most affordable plan. It covers preventive care, fillings, and extractions. The plan maximum is set at $1,000 per person per year. A $15 copay will be charged at every office visit, but there is no deductible fee.

Delta Dental ClearPlus Plan

With this Delta Dental Plan, there is no guessing involved. Every treatment already has a fixed copayment. This dental insurance plan has no waiting period. It also has no annual maximum and no deductible.

Delta Dental Classic Plan

The maximum benefit under this Virginia Delta Dental plan is $1,000 per person per year. The deductible is $50 per person. Preventive care is covered at 80%; fillings, crowns, root canals, extractions, deep cleanings, and implants are covered at 50%.

Delta Dental Progressive Plan

Delta Dental’s Progressive Plan works differently than the above-mentioned. The coverage for select services increases each year. Also, the annual maximum is graded and increases every year for 3 years. The yearly deductible is $50 per person.

anthem dental insurance virginia
Get affordable dental insurance with Anthem BlueCross BlueShield in Virginia

Anthem BlueCross BlueShield

All Anthem insurance plans in Virginia provide 100% in-network coverage for preventive and diagnostic services with no waiting time.

Anthem BCBS Bronze Plan

This plan offers free preventive care, as already mentioned. Basic procedures like fillings and extractions are covered at 50% after a 3-month waiting period. There’s a deductible of $50 per person and a plan maximum of $1,000.

Anthem BCBS Silver Plan

This Anthem Blue Cross Blue Shield plan provides the same services as the bronze plan. However, it also covers crowns, root canals, dentures, deep cleanings, and teeth whitening at 50% with a 6-month waiting time.

Anthem BCBS Gold Plan

This dental insurance plan includes all the benefits of the Silver Plan and you have a higher plan maximum of $1,500. In-network coverage for fillings and extractions is 80%.

Anthem BCBS Platinum Plan

This Virginia dental insurance plan covers a maximum of $2,000 per year. It includes all the benefits of the Anthem Gold Plan, plus 50% coverage for braces/orthodontia after a 12-month waiting period.


Humana dental insurance Virginia

Preventive Plus

If you're searching for a low-cost dental PPO plan, this one is a good option. It fully covers cleanings, x-rays, and exams. Fillings and extractions are covered at 50% after a 6-month waiting period. There are no copays for office visits.

Loyalty Plus

The Humana Dental “Loyalty Plus” plan gives loyal members yearly increasing benefits. Paying less out of pocket for fillings, root canals, crowns, and other procedures; a rise in yearly maximums; a one-time deductible for as long as you're on the plan; and no copayments or waiting periods are among the growing benefits.

Get a quote for insurance near you

We know it can be difficult to wade through the plethora of plan options. That's why we've created this easy-to-use insurance comparison tool. Just enter your DOB and zipcode, and in seconds you'll see the best plans in your area.

Dentaly insurance

See how much you could save

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Types of plans offered


Delta Dental


Access to a large network of dentists

Anthem Blue Cross Blue Shield


Great variety of affordable plans



Yearly increasing loyalty benefits

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

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


What is the best dental insurance in Virginia?

Because everyone's demands are different, there is no such thing as a one-size-fits-all solution. If you think you'll require major treatment, like implants, you'll need to choose a plan that covers them. Furthermore, it's beneficial to find a dental insurance plan with no waiting period for these treatments.

We looked into the best dental insurance plans in Virginia and then checked their availability in the state's major cities, such as Virginia Beach, Arlington, Norfolk, and Richmond.

Several dental insurance carriers, such as Metlife, Guardian, Aetna, Kaiser, Dominion National, and Nationwide, may be offered depending on your area. can help you to find the ideal dental insurance for your specific requirements. By entering your ZIP code and date of birth, you can compare the best dental insurance plans in Virginia. Simply click the button below to get started.

Best Dental Insurance in Virginia: Comparison and Plan Review
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