Happy female patient at the dentist

This Is the Top-Rated Dental Insurer in America

Customers had been barely extra happy with dental insurance policy this 12 months than in 2020, in keeping with J.D. Energy’s 2021 U.S. Dental Plan Satisfaction Report. And one supplier — UnitedHealthcare Dental — stood out from the pack.

UnitedHealthcare Dental completed first in buyer satisfaction amongst the 9 insurers included in the survey.

In rating dental insurance coverage plan suppliers for general buyer satisfaction, J.D. Energy thought of 5 components. Listed in order of significance, they’re:

  • Value
  • Protection
  • Communications
  • Customer support
  • Reimbursement

The common general buyer satisfaction rating amongst dental plan suppliers in the 2021 rating was 778 out of 1,000 factors, up 7 factors from the 2020 common.

5 plan suppliers earned above-average general buyer satisfaction scores. The highest plans in the report, and their scores are:

  • UnitedHealthcare Dental: 806 out of 1,000 factors
  • HumanaDental: 793
  • Aetna Dental: 791
  • Cigna: 787
  • MetLife Dental: 782

4 different plan suppliers earned below-average scores for general buyer satisfaction. They're:

  • DentaQuest: 773 out of 1,000 factors
  • United Concordia Dental: 765
  • Guardian Entry Dental/Premier: 746
  • Ameritas: 729

The report was based mostly on responses from greater than 1,200 dental plan members.

What Is Umbrella Insurance coverage, and Do I Want It?

Must you purchase dental insurance coverage?

Earlier than purchasing for a brand new dental plan, it’s price contemplating whether or not it is smart to buy protection in any respect.

Dental insurance coverage that you just receive by means of an employer is often a very good deal. As Cash Talks Information founder Stacy Johnson says, if you're provided such protection, “take it and run.”

5 Renovations That Can Impression Your House Insurance coverage

Nonetheless, a plan that you just buy by yourself typically shouldn't be an excellent deal. As Stacy factors out, dental insurance coverage usually presents restricted protection for issues resembling filling cavities or extra advanced procedures. It additionally could restrict protection to one thing like $1,000 a 12 months. Stacy provides:

“Dental insurance typically has an exclusionary period. In other words, maybe you think, ‘I’m going to need a bridge. I’ll get dental insurance for $350, then get my bridge free.’ Nope. This insurance often excludes even simple things like fillings for six months, and some procedures for 18 months.”

So, Stacy encourages you to assume issues by means of earlier than plunking down your hard-earned money. For extra on his take, take a look at “Should I Buy Dental Insurance?”

For those who resolve dental insurance coverage shouldn't be for you, take a look at a few of your different choices by studying “10 Alternatives to Dental Insurance.”

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