Best Dental Insurance Illinois
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We chose the best dental insurance companies in Illinois, based on coverage options, costs, and customer reviews.
Retirement Living takes an unbiased approach to our reviews. We may earn money when you click a partner link. Learn More
Careington Dental
Careington Dental offers two dental discount plans for individuals starting at $14.95 per month. You may add unlimited family members for $40 per person. Each plan offers dental discounts at a vast network of general dental partners, with no deductibles or coverage limits to worry about.
DentalPlans.com
DentalPlans.com provides dental coverage to more than 1 million customers across all 50 states. DentalPlans.com has an extensive network including more than 140,000 dentists across the country.
Smart Health Dental
Smart Health Dental offers insurance plans with up to 100% coverage on preventive procedures. Depending on plan type, seniors can get up to 50% coverage on treatment and repairs to bridges, implants, and dentures. Plans come with no waiting period, so you can use your benefits immediately.
Aetna Dental
Aetna offers multiple dental insurance plans. Choose from three network-option PPO plans, and hybrid vision and dental plans.
Spirit Dental & Vision
Spirit Dental offers dental insurance for children and adults in the United States, with options for orthodontia, senior dental care, and vision insurance. The company features affordable plans with higher maximum benefits compared to competitors, including a $100 lifetime deductible.
Denali Dental & Vision
Denali Dental & Vision offers two dental insurance plans to cover individuals of all ages. The Denali Ridge and Summit plans cover 100% of preventive services, up to your annual maximum, including two exams and four cleanings per year — almost unheard of in the dental insurance industry. A network of over 300,000 dentists nationwide covers services provided by any dentist you prefer.
Delta Dental of Illinois
Plans start at $14.47 per month. Choose from five different plans, with coverage ranging from basic for preventive care to premium for major services. Three out of four dentists in Illinois are Delta Dental providers.
TruAssure Insurance Company
Affordable plans start at $79.99 annually for one member and $99.99 annually for a family. Get 20-60% discounts on dental services. All plans come with unlimited cleanings. The premium plan includes discounts for cosmetic dentistry and orthodontics.
Blue Cross Blue Shield Of Illinois Authorized Retail Office
Agents help you select the best plan for your needs. Individual, family, and group plans are available. Partners with several providers to give customers a selection. Website provides a helpful glossary of dental terms and allows customers to shop online for insurance.
Dental Insurance Costs in Illinois
Dental insurance plans cover treatment, but patients pay a portion of the total cost. Policy holders are responsible for a deductible, which is the amount deducted from the claim. Customers should also expect a copay, or coinsurance, which varies depending on the procedure and the coverage under the plan. For example, a policy might cover fillings and cleanings for a low set price but only cover 50% of the cost of major procedures such as a crown or root canal.
Dental insurance is designed to make dental work affordable, and dental insurance is a good investment. The cost of a plan in Illinois is most affected by what is covered. A plan that focuses on preventive care like cleanings and exams will cost less than a policy that includes more coverage for specialized treatments. Typically, the higher the portion of the services that the plan covers, the higher the premium. Annual maximums, deductibles, and the number of family members covered also affect the price you pay.
Types of dental plans include:
- Preventive care—covers basic services such as exams, cleanings, and check ups.
- Preferred provider—customers choose from in-network providers. Some plans offer further discounted fees when you visit a dentist in the network.
- Prepaid—customers pay a set amount annually for all included services. These plans might offer coverage for major services and include extras such as tooth whitening.
- Dental savings plan—not the same as insurance. Customers get discounts at participating providers on both preventive care and major services.
- Fee-for-service—this refers to plans where dentists agree to a maximum plan allowance as payment in full for services.
In Illinois, preventive care plans start at $14.47 per month, premium plans that provide some coverage for major services start at $28 per month, and dental savings plans start at $79.99 per year.
Dental Insurance in Illinois
More than 8,500 dentists practice in Illinois. The Illinois Department of Public Health provides resources for residents who want to learn about statewide oral health, access care, or check out statistics. Their website has a list of dental insurance providers. The Illinois State Dental Society also offers help with finding providers and information about how to maintain a healthy smile.
The state of Illinois requires dental exams for all kindergarten, second grade, and sixth grade children to attend school. During the past decade, the rate of untreated tooth decay among children decreased from 30% to 22% in Illinois, where dental insurance is affordable and more children are now covered. However, tooth decay still affects two in five children in the state.
Illinois also collects data about the dental health of adults. One in four adults in Illinois has untreated tooth decay. Illinois ranks 16th out of 50 states for adequacy of the state oral health system serving older adults.
Delta Dental of Illinois
Delta Dental of Illinois offers individual and family plans in Illinois, with premiums starting at $14.47 per month for a preventive care plan. Customers can choose premium or PPO plans. Premium plans from Delta Dental provide coverage for crowns, root canals, extractions, deep cleaning and implants. All plans have low deductibles that range from $25 to $100 per person per year. All plans cover 90-100% of preventive care costs, including exams, cleanings, x-rays and fluoride (age limit applies). Members who choose a Delta Dental PPO plan will have the lowest out of pocket costs. While this company offers a very affordable rate, many reviewers said their claims were not covered. Those who gave good reviews said the plan saved them money and that representatives take extra time and effort to help out in any situation.
| Address | 111 Shuman Blvd, Naperville, IL 60563 |
| Phone Number | 1800-323-1743 |
TruAssure Insurance Company
TruAssure Insurance Company offers a choice of two dental savings plans for individuals and families: the True Savings Choice Plan and the True Savings Reach Plan. The True Savings Choice Plan is $89.99 annually for one member and $129.99 annually for a family; this plan includes unlimited cleanings and 20-60% off of dental services. The True Savings Reach Plan includes discounts on orthodontics, unlimited cleanings, and cosmetic dentistry, along with 20-50% discounts on dental procedures. The Reach Plan is $79.99 per year for one member and $99.99 for a family. Reviewers said this plan was easy to enroll in and was a good value.
| Address | 111 Shuman Blvd, Naperville, IL 60563 |
| Phone Number | 1888-559-0781 |
Blue Cross Blue Shield Of Illinois Authorized Retail Office
Affordable Health Insurance Corporation is an online broker. Consumers can learn about dental insurance and compare top providers in Illinois. Partner providers include Delta Dental, Spirit Dental and Vision and IHC Health Solutions. Use the company website to select an insurance provider to get a quote, and read about terms you might encounter when signing up for or using your dental insurance. Reviewers who gave five stars said customer service representatives were friendly and knowledgeable, and helped them get a lower rate on insurance. Others said they liked this company’s dental providers.
| Address | 402 S Arlington Heights Rd, Arlington Heights, IL 60005 |
| Phone Number | (847) 818-0688 |