Best Dental Insurance Plans in Kentucky
When looking for dental insurance, you must consider several essential factors, such as the type (PPO, HMO), premiums, monthly deductibles, and provider options. These factors depend on your specific needs, whether the insurance is only for you or it’s for you and your family, and what sort of procedures you need it for, such as preventative, non-preventative, or major procedures. Although some dental insurance providers are nationwide, your city or location is another key aspect to consider to ensure it’s available in your area.
We’ve listed the 5 best dental insurance options in Kentucky, along with some helpful info to help you decide which is the best fit for you.
Cigna Dental
Types of Dental Plans
- Low Deductible Plans
- Monthly premiums start at $20.
- Deductibles range from $0 to $50.
- Up to $1,500 in benefits.
- $0 for check-ups, cleanings, and routine x-rays.
- Orthodontic coverage is available on some plans.
- Save more by choosing a dentist in the Advantage Network.
- High Annual Maximum Plan
- Monthly premiums start at $24.
- $100 deductible.
- Up to $3,000 in benefits.
- $0 for check-ups after meeting the deductible.
- Save more with a dentist in the Total Network.
- Bundled Plans (Dental, Vision, and Hearing)
- Monthly premiums start at $32.
- Deductibles range from $50 to $100.
- Up to $2,500 in dental benefits.
- Includes vision benefits up to $300 and hearing benefits up to $700.
- Dental implants are available on some plans.
- Save more with a dentist in the Advantage Network.
Why Cigna Healthcare
- Extensive Network: Many dentists are part of Cigna’s network.
- Find In-Network Dentists: Compare dentists based on their history, affordability, and patient reviews.
- Online Tools: Use myCigna.com or the myCigna app to track costs and save money.
- 24/7 Access: Get support and manage your plan anytime.
Extra Information
- Waiting Periods: Some services may have waiting periods, but these can sometimes be waived based on previous coverage.
Guardian Dental for Individuals and Families in Kentucky
Guardian Dental Benefits Overview
- Deductibles:
- You pay $50 before the plan covers any costs.
- No deductible for in-network preventive care (out-of-network still has a $50 deductible).
- Plan Maximum:
- The most you can be reimbursed increases over the first 3 years if you get one preventive visit per year:
- 1st Year: $1,000
- 2nd Year: $1,250
- 3rd Year: $1,500
- The most you can be reimbursed increases over the first 3 years if you get one preventive visit per year:
- Orthodontia & Implant Maximums:
- Lifetime Maximum: $1,000 for orthodontia and implants.
- Annual Orthodontia Maximum: $500 (only for members under age 19).
- Co-Insurance (Guardian’s payment percentage for services):
- Preventive Services: 100% covered (e.g., oral exams, cleanings, x-rays).
- Basic Services: 70% covered (e.g., fillings, simple extractions) after a 6-month waiting period.
- Major Services: 50% covered (e.g., crowns, implants, oral surgery) after a 12-month waiting period.
- Orthodontia: 50% covered after a 12-month waiting period (for members under age 19).
- Guardian Advantage PPO Gold Plan Highlights:
- Access to over 114,000 dentists in the network.
- 100% coverage for most preventive services.
- Save up to 35% by using dentists within Guardian’s network.
- You can choose out-of-network dentists, but you will be reimbursed at a lower rate and might have to pay more out-of-pocket.
In short, what Guardian Dental offers you is:
- Preventive Care: 100% covered.
- Basic Services: 70% coverage after 6 months.
- Major Services: 50% coverage after 12 months.
- Annual Maximum: Increases from $1,000 to $1,500 over 3 years.
- Orthodontia & Implants: Lifetime max of $1,000.
- Network Savings: Save up to 35% with in-network dentists.
- Flexibility: You can use out-of-network dentists, but it may cost more.
Kentucky Delta Dental Insurance
Delta Dental is an excellent option for Kentucky residents because its services have outstanding features:
- Great Coverage, Affordable Care:
- They have affordable plans to save money on routine visits and unexpected emergencies.
- In-network dentists offer discounts for lower out-of-pocket costs.
- Plans for Every Stage of Life:
- Options available for individuals and families.
- Designed to meet dental needs at all life stages.
What’s Included in the Plans?
- No enrollment fees or waiting periods.
- Benefits and annual maximums increase after the first year.
- Access to a cost estimator and appointment scheduling through the Delta Dental mobile app.
- Easy online enrollment process (visit their website: deltadentalky.com)
Key Points
- The fees are consistent at $176 across all plans.
- The allowed fee varies by plan, impacting how much Delta Dental pays and what the member pays.
- Members pay significantly less with in-network plans compared to out-of-network services.
Note: Fees and reimbursements can vary based on location and provider, and benefit coverage may differ by client.
Extra Features:
- Online Member Portal:
- Access your benefits 24/7.
- View plan details, check claims, download ID cards, and review eligibility.
Kentucky Medicaid and KCHIP
Program Basics:
- Kentucky Medicaid and KCHIP (Kentucky Children’s Health Insurance Program) are programs that help low-income families in Kentucky get health insurance.
- They are funded by the state and federal government and provide health coverage to those who qualify.
Who Can Get It
- Kids: Children up to age 18, depending on family income.
- Low-Income Adults: Adults aged 19-64 with low income.
- Parents and Caregivers: Adults taking care of children under 18.
- Pregnant Women: Pregnant and postpartum women (up to 12 months after birth).
- Seniors: People aged 65 and older.
- People with Disabilities: Anyone with a qualifying disability.
Other Important Info
- Telehealth Visits Covered: KCHIP covers telehealth visits, so you can talk to a doctor without leaving home.
- Help is Available: DCBS caseworkers can guide you through the process if it’s your first time applying.
Sources:
https://www.cigna.com/es-us/individuals-families/shop-plans/dental-insurance-plans/
https://www.guardianlife.com/dental-insurance
https://www.deltadentalky.com/shop-for-insurance/dental-plans/
https://kynect.ky.gov/benefits/s/medicaid-kchip-program?language=en_US