Oral care is important but expensive without dental benefits. When choosing a benefits company, it’s important to consider what’s covered, the costs, the network of available dentists and if a waiting period applies. Our partners at ConsumerAffairs researched the best dental insurance in Cleveland so you find an affordable policy compatible with your needs.
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Dental insurance provides financial protection if you need expensive services, like a root canal or crown. It also covers all or most of the price of preventive services, such as regular exams and cleanings and X-rays.
Most Americans who have dental coverage get it through an employer, but millions of consumers buy individual plans. If you’ve had health insurance, the way dental insurance works will be familiar:
You pay a monthly premium.
You will have access to a network of dentists or, in some cases, any dentist you choose.
You may have a deductible and copay/coinsurance obligations.
The policy may have an annual maximum benefit.
Dental insurance in Cleveland usually falls into one of three categories: PPO, HMO or indemnity plans. Each differs in its costs for various services, flexibility to visit different dentists and other features.
PPO plans encourage you to visit an in-network dentist. In return, you pay lower coinsurance. PPOs usually have a deductible and an annual maximum.
HMO plans limit coverage to a limited network of dentists and have the lowest premiums. You make a copayment for each dental service; no deductibles or maximums apply.
Indemnity plans offer the most freedom to choose a dentist but have the highest premiums. You pay coinsurance (usually in higher amounts than with a PPO). Indemnity plans usually have a small deductible and an annual maximum.
When choosing dental insurance in Cleveland, be aware that there’s often a waiting period for some services after you sign up. These periods can be as long as 12 months for major services. Therefore, it doesn’t make sense to wait until you have a problem to get covered.
An alternative to dental insurance — with minimal or no waiting period — is a dental savings plan. You pay an annual fee to become a member and get discounted rates on services at a network of providers. There is no claims process; members pay out of pocket at the time of the dental visit.
Consumers in Cleveland have found both dental insurance and dental savings plans to be good choices. Be sure you understand the benefits of both and make an educated decision based on your budget and individual circumstances. Don’t forget: If you have a preferred dentist, check if he or she is part of the plan’s network before signing up.
1Dental.com offers two dental savings plans to Cleveland customers. Applicants of all dental conditions are accepted. Activate a membership in less than five minutes and start saving 15 - 60 percent on services. There is no deductible and no annual limit. Reviewers say 1Dental.com, which has an A+ rating from the Better Business Bureau, offers considerable savings on costly procedures.
Cleveland residents can save from 10 - 60 percent with a dental savings plan from DentalPlans.com. This company matches prices from online competitors, lets you switch plans anytime and prides itself on strong customer service. There are no health restrictions on signing up, no annual limits and no waiting periods. Customers like the variety of plan options and prices from DentalPlans.com, which has an A+ rating from the Better Business Bureau.
Dental insurance from UnitedHealthcare covers preventive care, basic services and major procedures. Cleveland consumers can get a fast quote and apply quickly for standalone dental coverage. No deductible or waiting period applies for preventive care. Reviewers appreciate the strong coverage for routine exams and cleanings and like the customer service. UnitedHealthcare has an A+ rating from the Better Business Bureau.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.