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Our top dental insurance plans
Dental insurance plans provide coverage for individuals & families to help pay the costs of routine dental cleanings, x-rays, exams, basic and major dental procedures, and some plans also cover orthodontia. Some insurance companies also provide an option to add vision and/or hearing benefits to that plan.
Understanding your dental insurance is the #1 way to get the maximum benefit from your dental coverage! Click here to learn more about key dental insurance plan terms (reimbursement levels, waiting periods, deductibles, networks & more.)
- Available for all ages, including those 65 and older
- $1,000 calendar year maximum
- $50 individual calendar year deductible per person / $150 per family
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services
- 6 month waiting period for Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
- Available for all ages, including those 65 and older
- $1,500 calendar year maximum
- $50 individual calendar year deductible per person / $150 per family
- Includes Orthodontia benefits
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services
- 6 month waiting period for Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
Vision & Hearing Benefits
Cigna
Dental Vision Hearing 2000
- $1,500 calendar year maximum on dental services
- $100 individual calendar year deductible per person
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services or Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
- $275 per year in vision benefits & $550 per year in hearing benefits (no waiting period & no deductible)
Dental implants & Orthodontia
Cigna
Dental Vision Hearing 3500
- $2,500 calendar year maximum on dental services
- $100 individual calendar year deductible per person
- Includes dental implant coverage (12 mo waiting period; subject to $2,000 lifetime maximum)
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services or Class 2 (Basic Restorative Services)
- 6 month waiting period for Class 3 (Major Restorative Services)
- 12 month waiting period for dental implants
- $400 per year in vision benefits & $750 per year in hearing benefits (no waiting period & no deductible)
Dental implants & Orthodontia
Manhattan Life
Dental Vision Hearing Select
Choose specific benefits to customize a plan tailored to fit your needs. You can choose dental only, or dental with vision and/or hearing benefits.
- Issue ages 18-99 years old
- Choose $1,000, $1,500, $3,000, or $5,000 policy year maximum benefit
- No waiting periods for Dental Services (except Orthodontia)
- Includes Orthodontia benefits ($1,500 lifetime max)
- Includes dental implant services ($1,500 lifetime max)
- Choose $0 or $100 deductible (does not apply to Preventive Services)
- Choose your dentist (in-network or out-of-network)
- Careington Maximum Care PPO Dental Network
- Glasses, Contacts and Hearing Aid benefits (optional riders)
Dental implants & Orthodontia
Manhattan Life
Dental Vision Hearing Select
Choose specific benefits to customize a plan tailored to fit your needs. You can choose dental only, or dental with vision and/or hearing benefits.
- Issue ages 18-99 years old
- Choose $1,000, $1,500, $3,000, or $5,000 policy year maximum benefit
- No waiting periods for Dental Services (except Orthodontia)
- Includes Orthodontia benefits ($1,500 lifetime max)
- Includes dental implant services ($1,500 lifetime max)
- Choose $0 or $100 deductible (does not apply to Preventive Services)
- Choose your dentist (in-network or out-of-network)
- Glasses, Contacts and Hearing Aid benefits (optional riders)
Low Monthly Cost
Cigna
Dental 1000
- Available for all ages, including those 65 and older
- $1,000 calendar year maximum
- $50 individual calendar year deductible per person / $150 per family
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services
- 6 month waiting period for Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
Orthodontia benefits
Cigna
Dental 1500
- Available for all ages, including those 65 and older
- $1,500 calendar year maximum
- $50 individual calendar year deductible per person / $150 per family
- Includes Orthodontia benefits
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services
- 6 month waiting period for Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
Vision & Hearing Benefits
Cigna
Dental Vision Hearing 2000
- $1,500 calendar year maximum on dental services
- $100 individual calendar year deductible per person
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services or Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
- $275 per year in vision benefits & $550 per year in hearing benefits (no waiting period & no deductible)
Dental implants & Orthodontia
Cigna
Dental Vision Hearing 3500
- $2,500 calendar year maximum on dental services
- $100 individual calendar year deductible per person
- Includes dental implant coverage (12 mo waiting period; subject to $2,000 lifetime maximum)
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services or Class 2 (Basic Restorative Services)
- 6 month waiting period for Class 3 (Major Restorative Services)
- 12 month waiting period for dental implants
- $400 per year in vision benefits & $750 per year in hearing benefits (no waiting period & no deductible)
Dental implants & Orthodontia
Manhattan Life
Dental Vision Hearing Select
Choose specific benefits to customize a plan tailored to fit your needs. You can choose dental only, or dental with vision and/or hearing benefits.
- Issue ages 18-99 years old
- Choose $1,000, $1,500, $3,000, or $5,000 policy year maximum benefit
- No waiting periods for Dental Services (except Orthodontia)
- Includes Orthodontia benefits ($1,500 lifetime max)
- Includes dental implant services ($1,500 lifetime max)
- Choose $0 or $100 deductible (does not apply to Preventive Services)
- Choose your dentist (in-network or out-of-network)
- Glasses, Contacts and Hearing Aid benefits (optional riders)
Low Monthly Cost
Cigna
Dental 1000
- Available for all ages, including those 65 and older
- $1,000 calendar year maximum
- $50 individual calendar year deductible per person / $150 per family
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services
- 6 month waiting period for Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
Orthodontia benefits
Cigna
Dental 1500
- Available for all ages, including those 65 and older
- $1,500 calendar year maximum
- $50 individual calendar year deductible per person / $150 per family
- Includes Orthodontia benefits
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services
- 6 month waiting period for Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
No Waiting Periods
Cigna
Dental Vision Hearing 2000
- $1,500 calendar year maximum on dental services
- $100 individual calendar year deductible per person
- Cigna DPPO Advantage Network
- No waiting period for preventive/diagnostic services or Class 2 (Basic Restorative Services)
- 12 month waiting period for Class 3 (Major Restorative Services)
- $275 per year in vision benefits & $550 per year in hearing benefits (no waiting period & no deductible)
Sign up for dental insurance coverage today!
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Understanding Dental Insurance
Dental insurance plans provide coverage for individuals & families to help pay the costs of routine dental cleanings, x-rays, exams, basic and major dental procedures, and some plans also cover orthodontia. Some insurance companies also provide an option to add vision and/or hearing benefits to that plan.
Understanding your dental insurance is the #1 way to get the maximum benefit from your dental coverage!
What do I need to know to choose the best dental plan for me and my family?
Here are some key points to understand and compare benefits across different plans:
Reimbursement levels & 3 Main Classes:
Dental insurance plans typically cover different groups of services at different coverage levels/percentages, and with different waiting periods. The services are split into 3 different “classes”. (Reference your carrier specific plan documents to see which services are covered in each class, as this can vary by plan/insurance company.)
- Class 1: Preventive Services (i.e. routine cleanings, x-rays, exams)
- Class 2: Basic Restorative Services (See plan outline for details and specific coverage/benefits.)
- Class 3: Major Restorative Services (See plan outline for details and specific coverage/benefits.)
Most plans offer preventive services (cleanings, x-rays and exams) on the first day of coverage, and some plans cover those costs at 100% with no deductible! Read more below about waiting periods and deductibles.
Waiting Periods
In some cases, a plan will require a waiting period before it will provide coverage for certain treatments. It is important to look at the plan’s waiting periods so that you know when you will be eligible to receive specific benefits. Many plans do not have waiting periods for preventive services (routine cleanings, x-rays, exams).
Annual & Lifetime Maximums
The annual maximum is the maximum dollar amount that the insurance plan will reimburse annually, even if your dental costs exceed this limit. Individual and Family dental plans typically offer a maximum annual benefit between $1,000 and $5,000.
Some plans also have a lifetime maximum amount for specific covered services. The most common dental service with a lifetime maximum is orthodontic treatment.
Deductibles
The amount of dental expense that you are responsible for before dental plan will start paying benefits. This is typically between $0-$150 per individual, while some plans offer family deductibles as well. It may be an annual or one-time charge (see your plan for details).
Coinsurance
Coinsurance refers to the amount (usually a percentage) that the patient is responsible to pay for a covered service, after the deductible has been paid.
For example, if your plan specifies that it pays 80% for a filling, then your insurance plan would pay 80% (after your deductible has been paid), and you would be responsible to pay the remaining 20%.
In-network vs Out-of-network providers
Dental insurance plans typically have a network of providers (referred to as in-network providers) that have an agreed upon fees (plan’s allowed fee) for different procedures. You will get the best rate and coverage by using an in-network dentist.
For example, if you see an in-network provider, and you need a filling, the plan may pay 80% of the provider’s contracted fee, and you are responsible for the remaining 20% of the provider’s contracted fee (after deductible). However, if you see an out-of-network provider, the plan may pay a certain % based on UCR rates (usual, customary, and reasonable – see your outline of coverage), and you would be responsible for the difference up the provider’s full fee. Seeing an out-of-network provider will result in higher fees.
Vision & Hearing Benefits
There are plans available that allow you to add an optional vision and/or hearing benefit to the base dental insurance plan. These plans typically pay a set amount for a vision/hearing exam, as well as a maximum amount towards frames/lenses/contact lenses, and/or a maximum amount towards hearing aids. Reference the plan brochures/outline of coverage for specific coverage amounts.
Insurance Options
Gibbons Health offers comprehensive health insurance plans, as well as Dental/Vision/Hearing, Accident, Critical Illness/Cancer Plans and more.
FAQs
Questions about Health Insurance and when you can enroll? Learn more about the ACA Open Enrollment, SEPs (Special Enrollment Periods), subsidies/premium tax credits and the Family Glitch!
Contact Us
To speak with a licensed and certified insurance agent, call us at 417.414.0596 or