Consistent oral care is vital for overall health. Having dental coverage makes you more likely to get regular preventive checkups and lowers your out-of-pocket costs for expensive treatments and procedures. Our partners at ConsumerAffairs researched the best dental insurance in Omaha so you find a policy that fits your needs and budget.
About 3 of every 4 people in the U.S. have dental benefits. A majority get private coverage through an employer, but millions enroll in stand-alone plans.
There are many reasons to buy dental insurance for yourself or your family. Plans cover most, if not all, of the costs of preventive care, including the regular checkups, cleanings and X-rays that keep your teeth and gums in good shape. Those with dental insurance are more likely to visit the dentist and catch problems early before they become expensive to treat. If you need extensive dental work, dental insurance shares the cost.
When looking at dental insurance in Omaha, you’ll come across four main types of coverage, according to the Nebraska Department of Insurance.
Type of plan
What to know
Preferred provider organization (PPO)
Popular type of plan; you pay a deductible and coinsurance; annual maximum limit applies; rates are lower at in-network dentists
Dental health maintenance organization (DHMO)
Restricted network of dentists; you make copayments for services; least expensive type of dental insurance
Freedom to choose any dentist; you pay a deductible and coinsurance; annual maximum limit applies; most expensive type of dental insurance
Different from insurance; joining gives you access to lower prices at participating dentists; you pay the dentist directly
As you review plans, take note of how the coverage treats various types of dental services. For example, a common type of dental insurance is referred to as “100-80-50” coverage. It pays for 100 percent of preventive services (e.g., exams, cleanings, X-rays), 80 percent of basic services (e.g., fillings, emergency pain relief) and 50 percent of major services (e.g., root canals, bridges, dentures, oral surgery). A small deductible usually applies for basic and major services.
Another important consideration is whether a policy comes with waiting periods. Preventive services are usually available immediately after you enroll, but other benefits may only be available six to 12 months after sign-up. Dental savings plans typically do not have waiting periods.
How much is dental insurance in Omaha?
The cost of dental insurance in Omaha depends on your age, tobacco habits, level of coverage and how many people will be on the plan.
An individual plan for a nonsmoker costs between $15 and $40 per month. For a family of four, expect to pay between $80 and $130 per month.
Dental savings plans start around $100 per year and are $150 to $200 for a family.
Compare different policies, and choose the one that fits most closely with your projected dental needs over the year. Always read a plan carefully. Take note of not only what’s covered, but also the exclusions or limitations listed in the contract.
Omaha customers can choose between two dental savings plans from 1Dental.com. Activate a membership in less than five minutes, and start saving 15 - 60 percent at over 100,000 access points across the U.S. There are no restrictions for pre-existing conditions and no caps on benefits. 1Dental.com includes a dental plan for members as well. Reviewers speak highly of the company’s customer service and are happy with the discounts.
DentalPlans.com has provided savings plans for over 1 million customers since 1999. The company offers nearly 20 options in Omaha for both individuals and families. Discounts range from 10 - 60 percent at over 100,000 dentists nationwide. DentalPlans.com matches competitors’ prices and lets customers switch plans anytime. Reviewers say they have experienced substantial savings.
Dental insurance from UnitedHealthcare is available for all needs and budgets, and you don’t need the company’s health insurance in order to get a policy. Preventive care is covered with no deductible or waiting period; basic and major services are also included. You can also add an optional vision benefit. Policyholders like paying low or no out-of-pocket costs for exams and cleanings.