Delta’s Individual PPO Premium Plan has a $50 deductible and a $2,000 澳洲幸运5官方开奖结果体彩网:annual maximum benefit, which are among the best offered by the 13 companies Inꦰvestopedia researched. You’ll need to wait six months to be eligible for coverage of implants and crowns, but that’s better than the waiting periods imposed by compe🗹titors, which can be double or even triple the length. 

After you have paid your 澳洲幸运5官方开奖结果体彩网:annual deductible, Delta Dental will cover half of your implant treatment costs, whether the dentist is in or out of network. That’s the highest coverage percentage any of t🐻he companies we researched offer.

And state insurance regulators received far fewer complaints about Delta than expected for a company of its size, an indicator of cons💎umer satisfaction.

However, you’ll pay for this coverage: Delta’s premiums are among the highest we found.

Delta Dental offers HMOs, PPOs, and a dental service discount plan. (Dental discount plans, also known as 澳洲幸运5官方开奖结果体彩网:dental savings plans, are not insurance but offer reduced prices for services.) Delta customers can use an online portal and mobile app to find in-🍒network providers, view ID cards, and get cost estimates for dental care.

Delta Dental began covering employees of companies in 1954 in California, Oregon, and Washington. Today, 39 independent Delta Dental companies do business in all 50 states and Washington, D.C. The company claims it covers more people th🔜an any other dental insurer.

While the sample plan we reviewed for MetLife (the TakeAlong Dental Medium plan) stands out for its low deductible and solid coverage level for implants, you’ll need to wait 12 months before the company will cover implants or crowns—twice as long as Delta Dental’s Premiu꧙m PPO Plan requires. And MetLife’s $1,500 maximum benefit is 25% lower than Delta’s max coverage, though it’s about average among all the plans Investopedia researched.

We like that MetLife’s premiums are relatively low. But while the company received slightly fewer complaints than expected for its size over a three-year period, it ranked below average in the J.D. Power U.S. Dental Plan Satisfaction Study. MetLife’s score was 775 out of 1,000, which is lower than the study average of 782.

MetLife offers 澳洲幸运5官方开奖结果体彩网:HMO and PPO dental insurance plans, as well as a dental discount plan called MetLife Discoun𝔍t Dental൲ Program. The company also offers plans through NCD, including three that cover implants.

Founded in 1868, MetไLife is based in New York🌌 City.

Physicians Mutual stands out for low costs and an unlimited annual benefit for implants, according to the sample plan we researched. But y𒐪ou get what you pay for. The Econoꦚmy Plan, the lowest-priced PPO covering implants, has no annual benefit limit for most dental care but caps lifetime coverage for implants at $1,000. And it only pays for 25% of dental implant procedures with an in-network or out-of-network dentist after you meet your deductible.

The Physicians Mutual network includes 500,000 dental provider sites, buಌt it’s not clear how many dentists that includes. Customers can access an online portal or use the Physicians Mutual app to find dentists and plan details.

When Physicians Mutual was founded in 1902, it began by selling insurance to doctors and surge✃ons. Today, the compan🏅y offers dental insurance in 42 states plus the District of Columbia. Its headquarters is in Omaha, Nebraska. 

Besides having no waiting period for implants, Spirit’s premiums are also attractive. The Spirit Core PPO is much cheaper every month than Delta’s and MetLife’s sample plans, for instance. And most plans have a $100 lifetime deduc🎃tible, which can save you money if you stick with the plan for a few years or longer.

But when you use the plan for implants, you’ll pay a lot more than you w🌸ould with competitor plans. The annual coverage limit is only $1,200. That’s lower than the average of the companies we researched and pales when compared to the unlimited cov꧃erage offered by Physicians Mutual or even Delta’s $2,000 max.

And༺ thꦛe plan only covers 25% of your bills when you get implants, which is half of what top competitors pay.

Spirit’s dental insurance plans are offered by A🔯meritas, a life insurance company founded in 1887 in Lincoln, Nebraska. Spirit plans are available in 49 states and Washington, D.C. 

Ameritas gets low marks for customer satisfaction. Its customer complaint record is worse than nine other companies we looked at for implant coverage, and it came in last place in a 2023 J.D. Power dental insurance survey. 

However, all of Spirit’s individual dental and vision insurance plans have a 30-day customer satisfaction guarantee. If you’re not satisfied with your plan after 30 days, you can cancel and get a full refund. 

DentaQuest received far fewer complaints than expected for a company its size, with the best customer complaint record of the 13 companies Investopedia researched. It also scored above average for customer satisfaction in the most recent J.D. Power survey—higher than five of the nine companies in the survey.   

The average premium for DentaQuest’s Personal Dental Plan Plus is lower than those of 🐷other providers on this list, including Delta Dental and MetLife. However, DentaQuest has a relatively high annual deductible of $100. 

In addition, the coverage provided by Personal Dental Plan Plus isn’t great. You’ll have to wait 18 months before you’re eligible for implant coverage. The annual limit for all dental care is a relatively paltry $1,250. And while the plan covers half of your implant costs after you reach your deductible in California,🔯 it only covers 30% in Texas.

Boston-based DentaQuest was founded in 2001. In 2021, it was bought by Sun Life, a group benefits administrator. DentaQuest is the largest provider of Medica🔥id dental benefits in the country. 

Customers can log into an online portal or use a mobile app ꧅to view plan benefits, find or change a dentist, and access ID cards.