Best Dental Insurance Plans in Indiana

Choosing the right dental insurance is essential to maintain your family’s oral health and manage costs. In Indiana, several dental insurance providers offer a variety of plans tailored to different needs and budgets. This guide will help you explore some of the best dental insurance options, including Ameritas, Humana, and Delta Dental. By comparing coverage, network size, and costs, you can find a plan that ensures access to quality dental care while minimizing out-of-pocket expenses. Whether you’re looking for individual plans for adults or families or specific options for children, understanding these choices will empower you to make the best decision for your dental health.

Ameritas Dental Plans for Indiana

Finding the right dental insurance in Indiana is crucial to ensuring your family’s access to quality care and avoiding high out-of-pocket expenses. With several options available, comparing plans based on coverage, network size, and cost is essential. This guide outlines some of Indiana’s top dental insurance providers, including Ameritas and Humana, to help you choose the best plan for your needs and budget.

Ameritas Dental Plans

• Simple Approach: Ameritas offers dental insurance plans that are easy to understand and meet different needs.
• Large Network:
  • Over 400,000 access points for care.
  • More than 100,000 unique dentists across the U.S.
• Savings Statistics:
  • 41% of Ameritas members use the network.
  • Average savings of 31% on dental services.
  • 94% of providers continue to work with Ameritas.
• Cost Examples:
  • Cleaning:
    • Regular fee: $108, Network rate: $61 (100% savings on the first day).
  • Filling:
    • Regular fee: $139, Network rate: $80 (62% savings on the first day).
  • Crown:
    • Regular fee: $1,117, Network rate: $748 (43% savings on the first day).
• Plan Options:
  • Four plans are available: Advantage Network 1000, Advantage 1000, Advantage Plus 2000 Network, and Advantage Plus 2000.
  • Maximum benefits range from $1,000 to $2,000 per year.
  • There are no enrollment fees and no waiting periods for coverage.
• Preventive Services: Includes free exams, cleanings, and X-rays.
• Basic and Major Services: Coverage increases over time, with higher percentages paid after the first year.
• Orthodontics: Coverage available for children under 19 with a maximum benefit of $1,000.
• Why Insurance Matters: Dental and vision coverage can help prevent health issues and detect problems early.
• Unique Plans: Ameritas customizes plans to fit individual needs, offering affordable options and no hidden fees.

Humana Dental Plans in Indiana

Before you sign up for dental insurance in Indiana, you must know your available options well. They vary in type, coverage, and other features, which we’ll mention below in a list we created for you to explore some insurance providers that are accessible and applicable in Indiana.

Humana offers a variety of dental plans in Indiana to suit different needs and budgets. Here’s a quick breakdown of what’s available:

Overview

• Complete Dental Plan: Offers the most coverage, including basic and major services. Monthly costs start at $52.99.
• Dental Savings Plus Plan: This plan is a discount rather than full insurance, starting at $6.99 monthly.
• Bright Plus Plan: Covers preventive services like cleanings with no deductible. The monthly cost starts at $25.15.
• Loyalty Plus Plan: Provides better coverage over time, with increasing benefits each year. Starts at $36.99 per month.
• Preventive Value Plan: Focuses on preventive care such as cleanings. Costs start at $23.49 per month.

Comparison Table

Key Points to Remember

• PPO Plans: Provide a network of dentists with set discounts on services.
• Discount Plans: Only offer discounts and don’t cover services fully.
• Annual Maximums: Most plans have a maximum amount they will pay each year, except for Dental Savings Plus, which has no maximum.

Delta Dental Individual Plans

• Affordable Options: Delta Dental offers budget-friendly individual dental plans.
• Adult Plans:
  • Two plans are available for adults.
  • Covers routine services (like exams and cleanings) and complex services (like crowns and dentures).
  • You can see any licensed dentist, but you’ll save more with Delta Dental network dentists.
• Pediatric Plans:
  • Two plans for children under 19 years old.
  • No waiting periods for services.
  • Out-of-pocket maximum: $375 per child or $750 per family.
  • Same covered services but different benefit levels and networks.
  • Oral exams are covered twice a year, and cleanings three times a year.
• Low Plan (Delta Dental PPO Standard):
  • $25 deductible.
  • Access to Delta Dental PPO network.
  • Coverage levels:
    • Preventive services: 100% (with PPO dentist).
    • Basic services: 50%.
    • Major services: 50%.
  • Balance billing may apply if you visit an out-of-network dentist.
• High Plan (Delta Dental PPO Point-of-Service):
  • No deductible.
  • Access to both Delta Dental PPO and Premier networks.
  • There is no balance billing when using network dentists.
  • Coverage levels:
    • Preventive services: 100%.
    • Basic services: 80%.
    • Major services: 50%.
  • Services are fully covered after reaching the out-of-pocket maximum with network dentists.

Sources:

https://indianahealthagents.com/dentalplans/ameritas-dental/

https://www.deltadentalin.com/Member/Plans

https://www.deltadentalin.com/Member/Plans