Find the Best Dental Insurance in Omaha, NE

How to choose dental insurance in Omaha

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.

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.