![]() One plan enforces 18-month waiting period on major work.This policy works best for people who prefer affordable premiums and don’t mind a limited provider network or fixed copayment fees. Dental Value HMO covers preventive, basic and major procedures without waiting periods, deductibles, or annual limits. Humana also offers a dental savings plan and a Dental Value HMO plan. The downside is that the plan sets a high deductible ($150) and policyholders have to wait until the third year of enrollment to get the highest annual limit allowable ($1,500). We particularly liked the Loyalty Plus PPO plan because there are no waiting periods on any covered benefit, including major work. The last two policies, Complete Dental PPO and Loyalty Plus PPO, provide the most comprehensive coverage with benefits for preventive, basic and major procedures.The Bright Plus PPO plan adds coverage for basic procedures such as fillings and simple extractions and includes veteran discounts for prescriptions and vision and hearing care.Preventive Value PPO works for people looking for preventive care at a low cost.Humana dental’s plan options start with five policies that cover in-network and out-of-network dental care: There are five plans that cover in-network and out-of-network dentists, a dental savings plan and a low-cost HMO plan with a limited provider network. Why we chose it: Humana offers seven dental plans. High NAIC complaint index in a lot of its state subsidiaries.To see which plans are available to you, select your state from the company’s drop down menu, which includes all 50 states and Puerto Rico. Readers interested in Delta Dental should note that, although Delta lists a total of five dental plans on its main website, the benefits and availability of each plan differ per zip code. The downsides are that policyholders must pay an upfront annual premium and the provider network is limited. DeltaCareUSA (HMO) sets fixed copayment rates for preventive, basic and major services (including orthodontia) without deductibles or annual limits.Orthodontic treatment has 50% coverage, up to a $1,500 lifetime maximum. Delta PPO Premium covers 100% of routine care and 20 to 50% of basic and major procedures.Sample quotes from California, Florida and New York returned three plan options, two of which include orthodontic coverage. ![]() Why we chose it: Delta Dental’s nationwide availability, comprehensive dental benefits and no upper age limit for braces make it an excellent choice for families and individuals in need of orthodontic care.ĭelta Dental is one of the few providers that extends orthodontic benefits to children and adults.
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