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Best Dental Insurance Plans 2026

by Anonymous

Health & Wellness

Dental insurance typically covers preventive care at 100%, basic procedures at 80%, and major work at 50%, with annual maximums of $1,000-$2,000. Monthly premiums range from $20-$50 for individuals. Dental discount plans offer an alternative at $8-$15/month with 10-60% savings on all procedures and no annual maximums or waiting periods.

Delta Dental

$25-$50
monthly premium
$1,000-$2,000
annual maximum
100%
preventive coverage
Largest (80% of US dentists)
network size
None for preventive, 6-12 mo major
waiting period

Cigna Dental

$20-$45
monthly premium
$1,000-$1,500
annual maximum
100%
preventive coverage
Large (93,000+ dentists)
network size
None for preventive
waiting period

Guardian Direct

$22-$55
monthly premium
$1,000-$2,500
annual maximum
100%
preventive coverage
Large
network size
None for preventive, 6 mo basic
waiting period

DentalPlans.com (Discount)

$8-$15
monthly premium
None (no cap)
annual maximum
10-60% discount
preventive coverage
100,000+ dentists
network size
None (immediate use)
waiting period

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