Posted June 6, 2018
A Guide to the Best Individual Dental Insurances in Massachusetts 02360
If you live in Massachusetts and are looking for dental insurance this article can help you find one that's right for you.
Disclaimer: This information was last updated July 12, 2018. What’s written is our own educated opinion and is not sponsored or affiliated with any insurance company.
Dental Insurance Guide
Dental insurance can buy you peace of mind, reassure you to have regular dental cleaning and checkups, and prevent you from having bigger dental problems. This will also save you money in the long run.
Generally, by spending $20 to $50 per month, dental insurance covers 100% of preventive services, most basic services and half of the major services.
Our Top Picks for Individual Dental Insurances
Based on our research we've come to the conclusion that these are the individual dental plans with the best value. Of course no one plan is one-size-fits-all, so take your time to shop around, carefully considering your family's needs, budget, and lifestyle before making a decision.
Best dental insurance plan for a child under 19
Delta Dental EPO Pediatric is an affordable plan with a lot of security for patients under 19 years-old. The maximum out-of-pocket spending means once you spend $350 total in copay, coinsurance, and deductibles, insurance will cover 100% of everything. There are also no waiting periods meaning you can start your child's coverage at any point.
Our Pick
Delta Dental Individual and Family EPO Pediatric |
Plan Breakdown: $24.14/month $289.68/ year Your Yearly Maximum: Unlimited Your Maximum Out-of-Pocket Spending: $350 Waiting Period: None View Plan Details: Delta Dental Individual and Family EPO Pediatric |
Where to Find it: MAHealthConnector |
Best dental plan for adults over 19 and under 65
The Altus High Plan wins overall because for $12 more monthly you have the freedom to see any dentist instead of being limited to the Delta Dental EPO network. Altus also pays $250 more than the Delta Dental EPO and covers more of the basic and major services and has a more favorable waiting period: none for basic services and six months for major services.
Our Pick
Best Value |
Best Overall |
Delta Dental Individual and Family EPO Enhanced |
Altus High Plan |
Plan Breakdown: $30.02/ month $360.24/ year Insurance Pays Maximum: $1000/ year Your Copay for Preventive Services: 0% Your Copay for Basic Services: 30% Your Copay for Major Services: 60% You have to Wait: Six months for basic services; 12 months for major services Watch Out for: No coverage for replacement of missing teeth prior to the start of coverage View Plan Details: Delta Dental Individual and Family - EPO Enhanced |
Plan Breakdown: $42.26/ month $507.12/ year Insurance Pays Maximum: $1250/ year Your Copay for Preventive Services: 0% Your Copay for Basic Services: 25% Your Copay for Major Services: 50% You have to Wait: Six months for major services View Plan Details: Altus High Plan |
Where to Find it: MAHealthConnector |
Where to Find it: MAHealthConnector |
Best dental plan for adults over 65
Our recommendation remains the same for adults over 65 because despite the price increase after age 65 these insurances still remain the most competitive.
Our Pick:
Best Value |
Best Overall |
Delta Dental Individual and Family EPO Enhanced |
Altus High Plan |
Plan Breakdown: $33.03/ month $396.36/ year Insurance Pays Maximum: $1000/ year Your Copay for Preventive Services: 0% Your Copay for Basic Services: 30% Your Copay for Major Services: 60% You have to Wait: Six months for basic services; 12 months for major services Watch Out for: No coverage for replacement of missing teeth prior to the start of coverage View Plan Details: Delta Dental Individual and Family - EPO Enhanced |
Plan Breakdown: $52.26/ month $627.12/ year Insurance Pays Maximum: $1250/ year Your Copay for Preventive Services: 0% Your Copay for Basic Services: 25% Your Copay for Major Services: 50% You have to Wait: Six months for major services View Plan Details: Altus High Plan |
Where to Find it: MAHealthConnector |
Where to Find it: MAHealthConnector |
If you need help to figure out the best insurance option or have corrections please send us an email or give us a call (508) 746-4456.
SOURCES:
- https://mahealthconnector.optum.com/individual/
- https://www.moneyunder30.com/is-dental-insurance-worth-it
- https://www.bankrate.com/finance/insurance/dental-insurance-1.aspx
- https://www.investopedia.com/articles/personal-finance/122315/6-dental-insurance-plans-no-waiting-periods.asp
- https://www.dentaleconomics.com/articles/print/volume-98/issue-10/columns/murphys-law/mythbusters-dental-insurance.html