Best Dental Insurance in Texas
Updated:
We chose the best dental insurance companies in Texas 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 four dental discount plans for individuals and families. Dental plans start at $9.95 per month with a one-time $20 processing fee. Each plan offers dental discounts at over 67,000 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 100,000 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 network-only DMO plans, network option PPO plans, hybrid plans and dental indemnity 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 three 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 across the country covers services provided at any dentist you prefer.
Encore Dental Insurance Plan
Encore Dental Insurance Plan offers three different levels of dental insurance. Options are available for full, flexible and value coverage. Customers can use the Encore Dental Insurance Plan website to find the in-network dentist nearest to them.
Ameritas Group Dental
Ameritas Group Dental offers dental coverage nationwide that is not tied to employment. Customers can enroll and access plan and billing information online. Preventative services through Ameritas Group Dental plans are covered 100%.
Health Life Dental Insurance
Health Life Dental Insurance partners with a myriad of insurance providers to find clients the best coverage for their needs. The company also offers child-only policies and increasing dental benefits for long-term clients.
Texas Healthcare Specialists
Texas Healthcare Specialists offers Ameritas Dental as its dental insurance plan for Texas senior citizens. The company’s comprehensive knowledge of Medicare and Medicare supplement insurance helps clients choose the right dental coverage options for their needs.
DentaQuest
DentaQuest’s network extends to 80 dental and oral health centers across six states. Three dental plans are available, ranging from basic to comprehensive coverage. Clients can also add on vision coverage to their DentaQuest dental insurance plan if desired.
QCD Dental Benefits
QCD Dental Benefits offers dental discount plans for individuals and families. The company also has online discounts and free months available for those who enroll for one- or two-year contracts. The dental plan also includes a free vision plan.
Dental Insurance Costs in Texas
Dental insurance costs in Texas are dependent on a few factors:
- Level of care: Some plans provide total coverage while others only cover a percentage of dental service fees.
- Deductible amount: The deductible amount on each plan will vary. Find a plan that meets your budgetary and deductible needs.
- Family coverage: Plans for a family can be more expensive than a dental plan solely for an individual
- Additional coverage: If bundled with another type of insurance or discount plan, such as vision, the cost of a dental plan can vary.
Most dental plans cover 100% of preventative care, 80% of basic procedures and 50% of major procedures. Additionally, some plans do not cover major dental procedures, treatments and surgery until six months after enrollment.
Patients who need orthodontic or cosmetic procedures completed will find that most dental insurance plans do not cover these as well.
Dental Insurance in Texas
There are more than 15,000 dentists working throughout the state of Texas. Before visiting a dentist, check with your chosen dental insurance plan to see if they are part of the coverage network. Receiving dental services from out-of-network providers can result in more costs.
While the majority of Texas residents state their teeth are in good or very good condition, 1 in 4 low-income residents report their teeth are in poor condition. This is why finding the right dental insurance coverage in Texas is paramount.
Encore Dental Insurance Plan
The Encore Dental Insurance Plan from Transamerica Life Insurance Company provides Texas families with access to three dental insurance plans. Plan A is a full coverage option with 100% of preventative and diagnostic services covered. Plan B offers the best value with 50% coverage on all services. Lastly, Plan “1-2-3” is the most flexible option, offering full preventative coverage immediately with escalating benefits annually. Customers mention having no problems using the plans for preventative care but do discuss difficulty getting in contact with a representative for claim information.
| Address | 2700 W. Plano Parkway, Plano, TX 75075 |
| Phone Number | (800) 706-7257 |
Ameritas Group Dental
Ameritas Group Dental began offering dental insurance in 1959 and now provides nationwide coverage to clients. In addition to the already discounted dental services, Ameritas customers save up to 25% on dental crowns and up to 38% on an annual exam and dental crown visit. Benefits are available starting on the first day of coverage with most plans and preventative care is covered 100% on all plans. Customers choose Ameritas Group Dental for the low monthly fees, but reviews from past customers do mention coverage difficulty with certain dental services.
| Address | 12655 N. Central Expressway, Ste. 910, Dallas, TX 75243 |
| Phone Number | (972) 726-7700 |
Health Life Dental Insurance
With more than 30 years of experience in the insurance industry, Health Life Dental Insurance, based in San Antonio, Texas, offers dental insurance plans from a number of providers, including Cigna, ManhattanLife, UnitedHealthcare and National General. Interested clients can obtain an online dental insurance quote using the company’s website. Health and life insurance can be added to a policy for greater overall coverage and cost. Reviews from current customers mention the team’s thorough and comprehensive approach to finding the best dental coverage.
| Address | 10 Three Lakes Drive, San Antonio, TX 78248 |
| Phone Number | (210) 696-7900 |
Texas Healthcare Specialists
The team at Texas Healthcare Specialists is full of Medicare experts that have a thorough understanding of the program along with all supplemental insurance programs, including dental coverage. As a provider of Ameritas Dental, Texas Healthcare Specialists works to help Texas senior citizens identify which dental plans are right for their lifestyles and budgets. Customers can choose from three dental plans and receive a free online dental insurance quote. Customer reviews are positive, with mentions of thoughtful insurance agents and prompt attention and service.
| Address | 1530 Sun City Blvd., Ste. 140, Georgetown, TX 78633 |
| Phone Number | (512) 868-4469 |
DentaQuest
DentaQuest provides clients with three different dental plans: Personal Dental Plan, Personal Dental Plan Basic and Personal Dental Plan Plus. Clients can compare each plan and its respective coverage side-by-side on the company’s website. DentaQuest was awarded “Highest in Customer Satisfaction with Dental Plans” by J.D. Power. DentaQuest members can access all plan, billing and network information through the company’s online portal. While the company does offer varying coverage and plan options, online reviews from current and past customers are less than stellar, with mentions of long wait times on the phone and customer service errors.
| Address | 11044 Research Blvd., Building D, Ste. 400, Austin, TX 78759 |
| Phone Number | (800) 417-7140 |
QCD Dental Benefits
QDC Dental Benefits provides a dental benefit program that offers members significant discounts on dental services. The QDC “Red” Dental Plan doesn’t have a maximum limit or deductible and includes a free vision and prescription program. Discounts on orthodontic services for children and adults and cosmetic services are also part of the dental program. Members can take advantage of significant plan enrollment discounts on the company’s website, too. Member reviews mention an affordable fee schedule and quick customer service.
| Address | 1664 Keller Parkway, Ste. 101, Keller, TX 76248 |
| Phone Number | (972) 726-0444 |