Dental treatments are expensive and insurance policies can help you save considerable money. They can cover basic cleaning to treatment for complex gum-related or oral health issues. You can get full coverage for screening and cleaning, up to 80% on coverage procedures, and up to 50% overage for expensive procedures. Most dental insurance may not cover cosmetic dental procedures. Read on to know about top five dental insurance plans and their coverage.

Cigna Dental 1500
Cigna offers comprehensive coverage for dental insurance with a network of 93,000 dentists in 50 states. They offer three plans for preventative, restorative, and orthodontic care. Their most comprehensive plan is the Cigna Dental 1500, which starts at $39 per month per person. It covers preventive, restorative, and orthodontic care up to $1000 per person. Deductibles work up to $50 for individuals and $150 for families. It covers check-ups, cavities, gum disease, and any major dental work. It also covers braces and orthodontia capped at $1000 lifetime limits and a 12-month waiting period. If you have had an insurance plan for 12 months, you qualify for restorative care for filling or root canal without waiting.

Renaissance Plan II
Renaissance has an impressive network of 300,000 dental offices nationwide. It has three plans and the coverage and waiting periods depend on the plan you choose. Their Renaissance Plan II has no waiting period for preventive care like cleaning, and you can choose both in and out-of-network dentists. There are no deductibles for preventive services. The maximum limits are $1000 per member and deductible of $50 for individuals and $150 for families. The plan covers 50% of the cost for:

• Diagnostic and preventive services
• Brush biopsy to detect oral cancer
• Emergency palliative treatment
• Imaging tests
• Periodontal maintenance
• Denture and bridge repairs
• Oral surgery
• Prosthodontic services
• Crowns and cast restorations
• Treatment for facial and joint disorders

Spirit Dental – Choice 1200/2500/5000
Spirit Dental does not have a waiting period, and your benefit amount increases if you have had a plan for a few years. Spirt offers various plans with different levels of coverage and benefits. Their comprehensive plan Choice 1200/2500/5000 is a fee-for-service plan, and reimbursements may vary based on the provider. The monthly premium is $53.99 and offers the following coverage:

• Basic care at 50% in the first year, 60% in second and 80% in the third year
• Major services at 25% in first, 30% in second and 50% in the third year
• Orthodontic care is for children under 18 at 10% in first, 25% in second, 50% in the third year
• The annual maximum benefit is $1,200 year, $2,500 in second, and $5,000 in the third year
• The monthly premium ranges from $36 to $70, and you have to pay a one-time deductible of $10o

Humana Complete Dental Plan
Humana is one of the largest dental insurance companies in the country. They offer five dental plans with specific benefits. Humana Complete Dental offers coverage for preventative, basic, and major services. They charge a one-time deductible of $50 per person and $150 for families. It provides 100% coverage on preventive services like oral examination, cleanings, fluoride treatment, X-rays, and sealants. Humana Complete Dental Plan offers coverage 80% on basic services like emergency pain relief care, extractions and root removal, space maintainers, fillings, minor restorative services and prefabricated stainless steel crowns. The plan also provides coverage of 50% on major services like (after deductibles) on root canals, partial dentures, denture repairs and adjustments, onlays and inlays, periodontal maintenance, scaling and root planning.

Ameritas My Dental Plan
Ameritas is an insurance company that has been service for more than 140 years and offers a variety of plans. Their My Dental Plan is a customizable plan that you can create based on your dental treatment needs and your family. It offers 100% coverage for preventive services like exams, bitewing films, fluoride treatments, and cleanings. You can get coverage of 80% for basic care and 50% coverage for major care. Maximum insurance limits per person is $2000 and a per visit deductible of $25 is applicable.