How much you can expect to pay for dental insurance depends on a variety of factors including your plan type (PPO vs. DHMO), whether your dentist is in or out of network, the type of services you are looking for, deductibles, and your plan’s maximum payouts. If you have a family or you may need dental over the next two to three years, including filings, crowns, implants, or braces, higher tier plans provide more coverage for those procedures but may come with some increased costs.
Many dental insurance plans cover preventive care at 100%, basic procedures at 50-70% and major services, such as surgery at 50%. However, coverage and costs can vary depending upon the plan level you select. Most plans have caps on what they will pay during a plan year, which can increase the longer you have the plan.
How much is dental insurance per month?
How much you will pay for dental insurance per month depends on how much dental coverage you will need over the next two to three years for services like filings, tooth extractions, crowns, oral surgery, periodontal and endodontic services, implants, or braces. Higher tier plans provide more coverage for those procedures but may come with some increased monthly costs. For example, a Guardian Dental Advantage Gold plan covers 100% of the cost of cleanings and x-rays and 70% of the cost of filings. While a less expensive Guardian Dental Advantage Silver plan covers 80% of cleanings and x-rays and 50% of filings. Guardian Direct dental plans start at less than 18.97 per month in most states.*