What are the best dental insurance companies?

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. The best dental insurance companies are Anthem and Guardian, according to our analysis of large dental insurers. Anthem’s Essential Choice PPO Platinum plan received five out of five stars in our evaluation.

What is a good dental insurance plan?

A general rule of thumb is to look for plans that cover 100/80/50: 100% preventive coverage, 80% basic work and 50% major work. However, it’s important to see what’s included in each percentage. A policy covering 50% of major work but excluding implants may be useless if your main concern is missing teeth.

How much does dental insurance cover?

Annual maximum insurance payout of $1,000 in year 1, then $2,000 in year 2 and after. 100% in-network coverage right away for Preventive care such as cleanings and bitewing X-rays. No waiting period for Basic care such as fillings and simple extractions. No waiting period for Major care such as crowns and root canals.