Updated: January 20, 2023
Denali Dental & Vision offers three dental insurance plans to cover individuals of all ages. The company’s goal is to make dental care affordable with no waiting to use the coverage, and the amount Denali Dental pays for dental procedures increases between the first and fourth years. Denali Dental insurance policies cover services in the Renaissance PPO network of over 300,000 dentists across the country for more than 13.1 million members and covers services provided at any dentist you prefer, even if they are out of network.
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Denali Dental offers three dental insurance plans: The Summit, Peak and Ridge Plans. Plans include options for preventative dental care, Diagnostic services and basic dental services.
Denali Dental & Vision’s founder, Tom Mayer, started the company with the goal of offering innovative dental insurance to beat standard plans sold elsewhere, with the convenience of optional vision insurance. Both growing families and retirees on Medicare’s insufficient dental benefits can save money on dental and vision care with Denali.
The company supports the Smile Network, a 501(c)3 non-profit humanitarian organization that provides free life-changing reconstructive cleft lip and palate surgeries to poverty-stricken children and adults in developing nations.
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Denali offers three dental insurance plans through Renaissance PPO Networks. A PPO, or preferred provider organization, is a managed health plan where you pay less out of pocket for services provided by dentists who agree to a set fee for service. You can go to any dentist of your choice and even if they are out-of-network, Denali will pay for part of your treatment, but you will likely pay more for your portion of the bill.
Denali Dental plans offer guaranteed acceptance and no waiting period for using their insurance, unlike many dental insurance options, which require you to wait a month or longer to take advantage of benefits. Denali Dental pays for four cleanings and two exams each year. There’s no coverage for replacing teeth lost before the effective date of the policy unless you lose an adjacent tooth while covered by the insurance. The services Denali Dental covers are:
Denali Dental plans are most cost-effective if you maintain your dental insurance for at least four years since each plan’s annual maximum grows annually. You can add vision insurance to all of the dental plans for an additional fee.
The Denali Summit Plan’s annual maximum grows through the fourth year. Plan maximums are $1,200 the first year, then $2,000 the second, $3,500 the third, and $6,000 in the fourth year and going forward. Lifetime deductibles for the Denali Summit Plan are $100 in-network, $200 out-of-network.
The Denali Peak Plan benefits mirror those of the Summit dental plan, with a first-year maximum of $1,200 increasing to $6,000 at the four-year mark and beyond. Coverage percentages are somewhat lower than the Summit plan. The lifetime deductible for the Peak Dental Plan is $250 per person.
The Denali Ridge Plan maximum pays $750 the first year, then $1,500 and $2,000 respectively the next two years, and $2,500 the fourth year and beyond. The lifetime deductible for The Denali Ridge Plan is $100 in-network and $200 out-of-network.
Great for annual cleanings
Denali Dental & Vision
We ran some numbers to give you sample quotes from Denali Dental with optional vision insurance for one adult, two adults and a family. Keep in mind premiums vary depending on your state of residence.
Cost Type | Denali RIDGE | Denali PEAK | Denali SUMMIT |
---|---|---|---|
1 Adult Monthly Premium | Dental: $27.95-$57.30 Dental & Vision: $40.26 – $69.61 | $33.22-$68.10 $45.53 – $80.41 | $44.84-$91.92 $57.15 – $104.23 |
Single +1 Monthly Premium | Dental: $53.86 – $110.40 Dental & Vision: $78.46 – $135 | $63.40-$129.96 $88 – $154.56 | $87-$178.33 $111.60 – $202.93 |
Family Monthly Premium | Dental: $89.65-$188.77 Dental & Vision: $129.26 – $223 | $99.95-$204.88 $139.56 – $244.49 | $149.82-$307.10 $189.43 – $346.71 |
Lifetime Deductible (per person) | $100 In-network | $250 | $100 In-network $200 Out-of-network $100 Orthodontic |
Fees for all plans | $25 one-time enrollment fee | $1 per month BAI fee | $4 per month billing fee |
You can compare and buy Denali Dental insurance or vision coverage on the company website. Select a dental plan, optional vision care insurance and when you want coverage to start, and add it to your cart. Then enter information for processing your payment and submit. Alternatively, you can call the company to speak to a representative to determine the best insurance for your dental and vision expenses.
The Better Business Bureau rates Direct Benefits, the managing agency behind Denali Dental, with an “A+” and with only one complaint. ConsumerAffairs names Renaissance Dental, Denali’s network of dentists, one of the top dental networks in the country, as does ConsumerAdvocate. Consumer reviews for Denali Dental on Facebook, Yelp and Google Reviews average out to around 4.8 out of 5 stars. Based on reviews, we recommend checking with your dentist to ensure they are in-network before buying a plan. Call or use Denali Dental’s online chat to know the coverage or if you have any questions.
How do I pay for Denali Dental & Vision coverage?
You sign an authorization when you enroll allowing Denali Dental to either charge your credit card or debit your bank account for the premium amount on the 18th of every month.
You can cancel coverage with a written notice within 30 days after enrolling. After the initial 30 days, the plan continues to automatically renew unless you send a cancellation notice via email or fax.
Each person covered by your plan can choose his or her dental care provider. The rules for in-network and out-of-network providers apply, though, and Denali pays for a greater portion of bills from in-network dentists.
With a Denali Dental & Vision plan, you can select from a long list of in-network providers, or you can visit an out-of-network dentist.
Unlike the majority of PPOs, there is no waiting period before you can use your coverage. Once Denali Dental approves your enrollment and processes your first payment, you’ll receive an email with a link to your enrollment package with a certificate of coverage and proof of insurance card.
Denali Dental & Vision makes dental care more affordable without the need to wait for months to access your dental insurance benefits. The company rewards loyal customers with graduated benefits eventually reaching up to a $6,000 annual maximum. Denali Dental’s four free cleanings each year are recommended for high-risk groups like people with diabetes, gum disease or plaque buildup and other conditions. Finally, the company offers individual-plus-one plans, so couples with no children aren’t straddled with the cost of a family plan.
Great for annual cleanings
Denali Dental & Vision