Top 10 Best Dental Insurance in Texas

Ashley Montgomery
8 min readFeb 8, 2024

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In this article, we’ll review the top 10 best dental insurance in Texas, based on factors such as customer satisfaction, network size, coverage options, and affordability. We’ll also answer some common questions about dental insurance in Texas, such as how to choose the right plan, what to expect from your dentist, and how to make the most of your benefits. Let’s get started!

Top 10 Best Dental Insurance in Texas
Photo by Atikah Akhtar on Unsplash

1. Cigna Dental Insurance

Cigna is one of the most popular and trusted dental insurance providers in Texas, with over 90,000 dentists in its network nationwide. Cigna offers three types of plans: Dental Preventive, Dental 1000, and Dental 1500. All plans cover preventive care such as exams, cleanings, and x-rays at 100%, as well as basic and major services at varying percentages. The Dental 1000 and Dental 1500 plans also include a $1,000 and $1,500 annual maximum benefit, respectively, and a $50 or $100 deductible per person or family. Cigna’s plans are affordable and flexible, allowing you to choose any dentist or use a network dentist for lower costs. Cigna also has excellent customer service and online tools to help you manage your account and claims.

2. Aetna Dental Insurance

Aetna is another leading dental insurance company in Texas, with over 372,000 dentists in its network across the country. Aetna offers two types of plans:

  • Aetna Dental PPO plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person and a $1,500 annual maximum benefit.
  • Aetna Dental DMO plan covers preventive care at 100%, basic services at varying copays, and major services at 50% coinsurance, with no deductible or annual maximum. The Dental DMO plan also requires you to choose a primary care dentist from the network and get referrals for specialists.

Aetna’s plans are competitive and comprehensive, giving you access to quality dental care at reasonable prices. Aetna also has a user-friendly website and mobile app to help you find a dentist, view your benefits, and track your claims.

3. Aflac Dental Insurance

Aflac is a well-known and respected dental insurance provider in Texas, with over 213,000 dentists nationwide. Aflac offers one type of plan:

  • Aflac Dental plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $25 deductible per person or family and a $1,000 annual maximum benefit. The Aflac Dental plan also pays cash benefits directly to you or your dentist, regardless of other insurance you may have. This means you can use the money for any purpose, such as paying for deductibles, copays, or out-of-pocket expenses.

Aflac’s plan is straightforward, giving you peace of mind and financial security when it comes to your dental health. Aflac also has a fast and easy claims process and a friendly customer support team.

4. Humana Dental Insurance

Humana is a reputable and reliable dental insurance company in Texas, with over 270,000 dentists in its network across the country. Humana offers three types of plans:

  • Humana Preventive Plus plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 annual maximum benefit. The Humana Loyalty Plus plan covers preventive care at 100%, basic services at varying copays, and major services at discounted fees, with no deductible or annual maximum.
  • Humana Loyalty Plus plan also rewards you for staying with the same dentist for longer periods, increasing your benefits every year up to the fifth year.
  • Humana Complete Dental plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $150 deductible per person or family and a $1,500 annual maximum benefit. The Humana Complete Dental plan also includes orthodontic coverage for children under 19 years old.

Humana’s plans are affordable and flexible,
allowing you to choose any dentist or use a network dentist for lower costs. Humana also has excellent online resources and customer service to help you manage your dental care.

5. Blue Cross Blue Shield of Texas

Blue Cross Blue Shield of Texas is a trusted and experienced dental insurance provider in Texas, with over 140,000 dentists in its network statewide. Blue Cross Blue Shield of Texas offers two types of plans:

  • Dental Choice plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 annual maximum benefit.
  • Dental Choice Plus plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,500 annual maximum benefit. The Dental Choice Plus plan also includes orthodontic coverage for children under 19 years old.

Blue Cross Blue Shield of Texas’s plans are competitive and comprehensive, giving you access to quality dental care at reasonable prices. Blue Cross Blue Shield of Texas also has a convenient website and mobile app to help you find a dentist, view your benefits, and pay your bills.

6. Delta Dental Insurance

Delta Dental is the largest and most recognized dental insurance provider in Texas, with over 348,000 dentists nationwide. Delta Dental offers four types of plans:

  • Delta Dental PPO plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 or $1,500 annual maximum benefit, depending on the plan level.
  • Dental PPO Plus Premier plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,500 annual maximum benefit. The Delta Dental PPO Plus Premier plan also gives you access to both the PPO and the Premier networks, which have more dentists than any other network in the country.
  • DeltaCare USA plan covers preventive care at 100%, basic services at varying copays, and major services at discounted fees, with no deductible or annual maximum. The DeltaCare USA plan also requires you to choose a primary care dentist from the network and get referrals for specialists.
  • Delta Dental Patient Direct plan is not an insurance plan, but a discount program that gives you access to reduced fees for dental services from participating dentists. You pay the dentist directly at the time of service, with no deductibles, copays, or annual maximums.

Delta Dental’s plans are affordable and flexible, allowing you to choose any dentist or use a network dentist for lower costs. Delta Dental also has excellent customer service and online tools to help you manage your dental care.

7. MetLife Dental Insurance

MetLife is a well-established and respected dental insurance provider in Texas, with over 146,000 dentists nationwide. MetLife offers two types of plans:

  • MetLife PDP Plus plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 or $1,500 annual maximum benefit, depending on the plan level.
  • MetLife TakeAlong Dental plan is similar to the MetLife PDP Plus plan, but it also allows you to keep your coverage even if you change jobs or retire. You can enroll in the MetLife TakeAlong Dental plan through your employer or on your own.

MetLife’s plans are competitive and comprehensive, giving you access to quality dental care at reasonable prices. MetLife also has a user-friendly website and mobile app to help you find a dentist, view your benefits, and file your claims.

8. Guardian Dental Insurance

Guardian is a reputable and reliable dental insurance provider in Texas, with over 114,000 dentists nationwide. Guardian offers three types of plans:

  • Guardian PPO plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 or $1,500 annual maximum benefit, depending on the plan level.
  • Guardian DHMO plan covers preventive care at 100%, basic services at varying copays, and major services at discounted fees, with no deductible or annual maximum. The Guardian DHMO plan also requires you to choose a primary care dentist from the network and get referrals for specialists.
  • Guardian Direct plan is not an insurance plan, but a discount program that gives you access to reduced fees for dental services from participating dentists. You pay the dentist directly at the time of service,
    with no deductibles, copays, or annual maximums.

Guardian’s plans are affordable and flexible, allowing you to choose any dentist or use a network dentist for lower costs. Guardian also has a comprehensive website and customer service to help you find a dentist, view your benefits, and access your claims.

9. UnitedHealthcare Dental Insurance

UnitedHealthcare is a leading and trusted dental insurance provider in Texas, with over 85,000 dentists nationwide. UnitedHealthcare offers two types of plans:

  • UnitedHealthcare Dental PPO plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 or $1,500 annual maximum benefit, depending on the plan level.
  • UnitedHealthcare Dental HMO plan covers preventive care at 100%, basic services at varying copays, and major services at discounted fees, with no deductible or annual maximum. The UnitedHealthcare Dental HMO plan also requires you to choose a primary care dentist from the network and get referrals for specialists.

UnitedHealthcare’s plans are affordable and flexible, allowing you to choose any dentist or use a network dentist for lower costs. UnitedHealthcare also has a comprehensive website and mobile app to help you find a dentist, view your benefits, and access your claims.

10. Ameritas Dental Insurance

Ameritas is a reputable and reliable dental insurance provider in Texas, with over 111,000 dentists nationwide. Ameritas offers two types of plans:

  • Ameritas PPO plan covers preventive care at 100%, basic services at 80%, and major services at 50%, with a $50 deductible per person or family and a $1,000 or $2,000 annual maximum benefit, depending on the plan level.
  • Ameritas PrimeStar plan is similar to the Ameritas PPO plan, but it also allows you to enroll without an employer sponsorship.

You can choose from various plan options and deductibles to suit your needs and budget. Ameritas’ plans are competitive and comprehensive, giving you access to quality dental care at reasonable prices. Ameritas also has a helpful website and customer service to help you find a dentist, view your benefits, and submit your claims.

Conclusion

As you can see, there are many options for dental insurance in Texas, each with its advantages and disadvantages. The best dental insurance for you depends on your personal needs, preferences, and budget. However, some general tips to help you choose the right plan are:

  • Compare the benefits, costs, and limitations of different plans.
  • Check the network size and availability of dentists in your area.
  • Read the customer reviews and ratings of the dental insurance companies.
  • Consider your dental health history and future needs.
  • Ask your dentist for recommendations.

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