Georgia Dental Insurance - 2024 GA Plans & Prices

What are dental plans like in the Peach State?

By Insurance Industry Expert & Author

Updated on

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What's in this guide

This 2024 Georgia dental insurance guide will provide with the information you need to find the best dental insurance for your needs. Our resource includes:

Our best-selling plans in Georgia

Company logo for Delta Dental bestselling

Dental for Everyone Gold

Increasing benefits after the first and second years. Keep your dental plan regardless of age.

Plan Type: PPO

Plan Maximum: $1000

Company logo for Delta Dental bestselling

Immediate Coverage Plan

Immediate coverage with no waiting periods for most services. Generous plan maximum.

Plan Type: PPO

Plan Maximum: $3000

Company logo for Guardian bestselling

Advantage Achiever

Rich benefits with maximums increase each for year the first 3 years.

Plan Type: PPO

Plan Maximum: $1000 - $1500

GA Dental Plan Costs

A review of forty dental plans offered in Georgia in the past year observed a variety of interesting characteristics among the state s dental plans. Together these plans had an average monthly premium of $45.83 (based on a 33 year-old sample applicant from the state). This average was higher than the averages for our dental plans in some states such as Florida ($42.26) and Texas ($40.15), but less than was the case for Michigan ($46.49) and Massachusetts ($54.46).

The lowest premium along the plans examined was $8.95 a month for a dental discount plan, the Careington 500 Series Dental Savings. This is a program where members pay a monthly fee to gain access to a dental network that offers care at reduced cost. The most expensive plan was the Humana Extend 5000, that supplemented hearing and vision coverage to traditional dental at a combined cost of $99.99 a month.

All forty plans in the study covered annual teeth cleaning as well as traditional fillings and tooth extraction. One quarter of the plans surveyed also covered teeth whitening. With respect to more expensive dental treatments, half of plans had some level of coverage for dental implants, with that percentage rising to 90 percent for crowns and root canals. Many of the insurance companies had delays before expensive dental services were covered. These delays are known as waiting periods. 72.5 percent of the dental plans in the study had a waiting period on some of their covered services.

95 percent of the plans examined had an annual limit on how much the plan would pay for covered dental care. This cap is referred to as a maximum benefit. Among the forty Georgia plans that had a maximum benefit, the average annual payment limit was $1,953. The most generous of these limits was $10,000, offered by NCD Complete by MetLife.

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Deductibles

The average deductible for a individual was $51.00. Deductibles for single enrollees grouped as follows with respect to the forty Georgia dental plans under examination:

Deductible Amount* Number of Plans in Study Percentage of Plans in Study
$0 5 12.8%
$25 1 2.5%
$50 26 65%
$75 3 7.5%
$100 5 12.5%
* Deductibles may have restrictions

87.5 percent of the plans had a deductible that increased for every person added to the policy.

It is important to note that in some cases a deductible might be waived for preventive services or may have a deductible that was paid once during the entire time of enrollment, even if enrollment is several years. Some plans with orthodontic coverage had an additional separate deductible that applied to those services.

Family Deductibles

Deductibles for families were higher than for individuals. 12.5 percent of plans in the study had no deductible. As noted earlier, most plans had a deductible amount that increased for every additional person on the policy. Over half of the plans (52.5 percent) had a maximum deductible for families (e.g. no more than three $50 deductibles per family).

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Chart of Georgia Dental Plan Details for this Study

Interested in knowing whether the plan you're considering is above or below average? We've assembled some data below to help you with your comparisons.

Chart of Georgia Dental Plan information
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Oral Health Resources for Georgians

We've pulled together information to help you find resources in your state to help you maintain your oral health.

Georgia Dental Association (GDA)

The Georgia Dental Association is the "premier professional organization" of Georgia dentists. Its mission is to enhance local oral health and promote professional excellence through a combination of education, advocacy, and professionalism.

Georgia’s Program for Oral Health

The state Department of Public Health (DPH) has dental services for the prevention and treatment of oral problems. Care includes exams, cleanings, fillings, and more. For detailed information and who qualifies, see the Oral Health Program for Georgia. Information about which dental services are covered by the program, as well as clinic hours and locations, can be found at the Georgia Oral Health Coalition.

Free and Reduced-Cost Dental Clinics

This online resource provides a document listing charitable clinics located throughout the state of Georgia. The Georgia Dental Association also has another webpage for donated dental services. This program provides free, comprehensive dental care to people who have disabilities or who are elderly or who are medically fragile.

Need help choosing a plan? Call us at 800-296-3800

Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.

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