The Average Cost of Dental Insurance Per Month

Having dental insurance is important for maintaining your oral health. Regular check-ups and treatments, such as fillings and cleanings, can help you avoid more expensive and painful procedures down the road. But with so many plans and providers available, it can be difficult to determine the average cost of dental insurance per month.

Factors Impacting Cost

Costs for dental insurance vary depending on the provider, plan, and coverage you choose. Generally, the more comprehensive the plan, the higher the cost. Other factors that affect the cost of your monthly premium include the age of the policyholder, any preexisting conditions, and the number of people covered by the policy. For instance, individual coverage typically costs more than group coverage.

Types of Plans

The two main types of dental insurance plans are indemnity plans and managed care plans. Indemnity plans allow policyholders to select any dentist they wish, and the insurance company pays a certain amount for each procedure. Managed care plans have a network of dentists, and the insurance company pays a set amount for each procedure. Each type of plan has its own costs and benefits, so it's important to understand the differences before you make a decision.

Average Cost of Dental Insurance

The average cost of dental insurance per month is between $10 and $50, depending on the coverage you choose. The cost of a policy can vary significantly, depending on the provider, type of plan, and the age and health of the policyholder. For example, a policy with more comprehensive coverage, such as orthodontic care, will cost more than a basic plan. Additionally, policies for adults typically cost more than those for children.

How to Save on Dental Insurance

There are several ways to save on the cost of dental insurance. If you're buying a policy for yourself, consider a high-deductible plan to keep monthly premiums low. Many employers offer group plans, so if you're eligible, you may be able to get coverage at a discounted rate. You can also look for discounts from your provider, such as multi-policy discounts or discounts for paying annually. Finally, if you're eligible, you can get dental insurance through Medicaid or the Children’s Health Insurance Program.

Conclusion

The cost of dental insurance can vary significantly depending on the type of plan and provider you choose, but the average cost of dental insurance per month is typically between $10 and $50. To save on the cost of your policy, consider a high-deductible plan, look for group discounts, and take advantage of any discounts offered by your provider. Additionally, if you're eligible, you can get coverage through Medicaid or the Children’s Health Insurance Program.