![]() The extensive nationwide network makes it easy for senior subscribers to maximize their benefits with a dentist nearby. The Premier plan covers up to 70% of the overall implant cost. The Preferred plan covers $750 of the cost of an implant, while the Standard and Economy plans cover $550 and $350, respectively. However, there are three other plans, the Standard, Economy, and Premier plans, that also cover implants. Also, the program has no annual maximums or deductibles associated with the benefits. Physicians Mutual Preferred is an excellent seniors’ dental insurance plan for implants because it covers dental implants and over 400 other dental procedures at a generous amount. It is available in all 50 states and has 500,000 providers in its network. They also received rave reviews in financial strength from AM Best. It offers dental insurance to individuals and families, as well as life and Medicare supplement insurance. Headquartered in Omaha, NE, Physicians Mutual has been around since 1902. Rates vary based on a few factors, but for reference, the monthly premium for a woman in California under 50 is about $70 per month.ġ2-month waiting period for major coverage There are also no age restrictions and no dental claims forms to file when you go in-network. Implant coverage is for one implant per tooth every 60 months. The annual maximum is higher than many plans at $2,000, and the deductible is in line with other companies at roughly $50 for individuals and around $150 for families. After a year, dental implant coverage rises to 40%, and by year two, it covers 50% of dental implants. ![]() United Healthcare's Premier Plus plan covers 10% of dental implants on day one of coverage with no waiting periods, unlike most plans. The coverage may vary along with premium rates depending on where you live. United Healthcare dental insurance is not available in every state, but subscribers can sign up in 43 states and the District of Columbia. The parent company Golden Rule Insurance offers employer and individual plans. ![]() With a stellar rating from AM Best, United Healthcare insures around 30 million people nationwide and has over 182,000 network providers. United Healthcare is a well-known and reputable insurance company. Takes two years to get to 50% coverage for implants There is a 12-month waiting period for implant coverage and roughly a $50 individual deductible, but the plan premium for a woman under 50 in California was only around $35 per month. We also liked that their subscribers could choose any dentist. The tradeoff is that preventative care is covered at 100% in-network for the Plan III subscribers and isn't for Plan II. We chose Plan II as the most affordable because the premiums were lower per month than Plan III. Renaissance's Plan II and Plan III offer 50% coverage of implants up to the $1,000 annual maximum per subscriber. Their dental plans are available through an employer or individually. Per the website, Renaissance Dental is available nationwide and manages the claims of over 13 million people within its family of companies. Renaissance has a PPO network that gives subscribers 300,000 dental access points. Major coverage requires a 12-month waiting periodįounded in 1957, Renaissance is part of the Renaissance Health Service Corporation and has top marks for financial strength from AM Best. Anthem dental insurance plans are available in California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, Nevada, New Hampshire, New York, Ohio, Virginia, and Wisconsin. For example, for a woman under 50 in California, the monthly rate for the Anthem Essential Choice Platinum was around $60. While they were not the lowest we saw, the monthly premiums for individuals were reasonable, given the benefits they provide. At about $50 for an individual and roughly $150 for a family, the deductibles were in line with the other dental insurance companies we researched. The waiting period for implant coverage is only six months. The $2,000 annual maximum is one of the highest we saw for the premium rate, and the annual maximum carryover for any unused benefit enhances the following year's allowance. ![]() It offers plans both directly and through employers for individuals and families and several programs in many states that supplement Medicare Part C coverage for seniors.Īnthem has the best overall dental insurance plan for implants. Although its subsidiaries are state-based, Anthem Inc. Anthem has a stellar rating from AM Best for financial strength. With over 32 million subscribers, Anthem is an exceptional dental insurance provider with a sizeable network of more than 1.7 million participating providers and hospitals. Rates are not as low as some plans researched Rates vary based on geography and demographics ![]()
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