Delta’s Premium PPO Plan covers 100% of preventive care (such as cleanings and X-rays), 80% of basic care (suc🌳h as fillings), and 50% of major care such as periodontics and dentures. That last point is important because while 50% may not sound like a lot, it beats the coverage offer🌟ed by more than half of the companies we researched. 

Although premiums for Delta’s PPO plans are among the highest we saw, the $50 deductible matches or beats competitors, and the $2,000 annual coverage max is higher than what nearly all comparable plans offer. That gives it a better-than-average overall cost-for-value score, a measur꧂e Investopedia uses to judge how much you get for your money.

State regulators received substantially fewer customer complaints about Delta Dental than expected for a company of its size, which is an indicator of customer satisfaction. All of these factors helped it land at the top of our list of the 澳洲幸运5开奖号码历史查询:best dental insurance companies as well.

Delta claims to be the leading dental insurer in the U.S., with the biggest network of dentists. The Delta Dental Plans Association was formed in 1966 to serve businesses with employees in multiple states, but some of Delta’s state dental associations have been around since 1954. Today the association consists of 39 companies that together operate in 50 states plus Washington, D.🌞C.

As with Delta’s sample plan, MetLife’s PPO-Medium plan covers 100% of preve⛎ntive care and 50% of major care, but its premiums are 20% to 30% lower than the Delta sample plan’s, depending on where you live. The MetLife pla💛n only covers 70% of basic care (vs. Delta’s 80%), and its annual coverage limit is $1,500, which is lower than Delta’s $2,000. Still, MetLife’s offering is better than most other competitors on both of those fronts.  

Wh✤at’s more, the MetLife PPO-High plan has a $2,000 annual max, a $25 deductible, and coverage equivalent to 🐻Delta’s comprehensive PPO with premiums that are still slightly lower than Delta’s in some areas. The waiting period for that plan is also 12 months for major care coverage.

State regulators received fewer complaints about MetLife than expected for the company’s size. But MetLife scored below average on the J.D. Power 2023 dental insurance satisfaction survey. It ranked fifth out of nine companies. 

MetLife was founded in New York as a life insurance provider in 1868 and now offers many different kinds of insurance in 40 markets. Its main focus is on employer-sponsored coverage, but individuals and families can also buy TakeAlong dent🦄al plans directly from its website.

While we like the cost and coverage features of a couple of Physicians Mutual plans, there are a few caveats. All plans impose a 12-month waiting period for major care coverage. And preventive 🐻care is only 100% covered if you use an in-network dentist, though the company’s 500,000 provider locations offer lots of options. 

When Physicians Mutual was established in 1902, it specialized in health insurance for doctors and surgeons𓂃. The company now provides several kinds of insurance, including dental, and is based in Omaha, Nebraska. 

Besides having no waiting periods, Spiri🍃t’s lowest-premium PPO that covers all three levels of care has nearly the best premiums of the 17 companies Investopedia researched. The Spirit Preventive Plus PPO covers 100% of preventive care after you pay a lifetime deductible of $100. 

But other coverage is scant. The plan only covers 50% of basic care costs and 20% of the cost of major care services suc💖h as dentures. And the coverage cap is a low $750 the first year, rising to $1,000 the second year, which is still unimpressive compared to Delta Dental or Physicians Mutual.  

Howev💎er, Spirit has a more comprehensive plan aimed at seniors that is relatively aff💙ordable. The Preferred PPO plan covers three annual cleanings and two exams at 100%. Basic and major care coverage is poor in the first year, but rises to 100% and 50% coverage, respectively, in the second year, up to a maximum of $1,500 in year 1 and $3,000 in year 2.

Plus, the Preferred PPO includes hearing benefits that some older adults will find helpful. Each year, the plan provides up to $75 for hearing exams and covers half the cost of hearing aids up to the maximum benefit, which is $200 in the first year, rising t🗹o $400 in the third year. 

On the downside, Spirit plans are 澳洲幸运5开奖号码历史查询:underwritten by Ameritas, which has a poor customer satisfaction record. State regulators received about 50% more customer complaints about Ameritas than expected for a company of its size over a three-year period. Also, Ameritas came in last out of nine companies in a J.D. Power customer survey. 

Spirit has been providing denta🐎l insurance for more than 20 years and says it’s one of the first companies to offer no waiting periods. It is based in St. Paul, Minnesota. 

While DentaQuest has a good reputation with customers, it’s best for seniors who don’t need a lot of expensive care. The sample plans we examined in Texas and Illinois✱ cover 100% of preventive care, such as exams and cleanings, right away without a deductible. They have lower-than-average premiums, but the annual deductibles are a relatively high $100, and coverage is capped at a not-so-great $1,250 a year. 

Depending on your state, the plan may cover 50% of basic care costs and 30% to 50🔯% of major care costs. The plans also require a lengthy 18-month waiting period for dentures, crowns, and other major care. 

If you think you’ll just need preventive care for the next year, you may be better off with DentaQuest’s Personal Dental Plan, which only covers cleanings, exams, and X-rays at 100%. It has no deductible, no waiting🐻 periods, and cheap monthly premiums. 

In some states, DentaQuest’s plans are 澳洲幸运5开奖号码历史查询:EPO (exclusive provider💃🐼 organization) plans t🍒hat don’t provide any out-of-network💛 coverage, and the company covers a relatively small network of 100,000 access points.

DentaQuest has been selling dental insurance since 2001 and serves 33 million members, making it the second-largest dental insurance provider in theꦐ U.S. by membership. It’s also the biggest provider of dental coverage to Medicaid recipients. The company is based in Boston and was acquired by Dentaquest in 2021.