If you live in Illinois and need dental coverage, this article will help you:
Who much does dental insurance cost in Illinois? We examined the premiums for more than two dozen plans quoted for a thirty year-old living in Chicago and found the average monthly cost was $41.02. The lowest expense option was a dental discount card, Careington 500 Series Dental Savings, that charged $8.95 a month to access a group of dentists would charged discounted rates for dental care. The most expensive was Nationwide and VSP Classic 2000 + VSP Premium plan which included vision benefits alongside dental coverage. This option had a premium of $90.12 for a 30 year-old in Chicago. This option is an indemnity plan, which tends to have very wide acceptance among dentists.
The majority of the plans examined did not have a copayment of coinsurance fee for an annual cleaning. Fillings were charged a coinsurance fee, with the insurance company covering an average of 66% of the filling cost. Some plans (Nationwide and VSP Select Plus 1500 + VSP Standard and the Guardian Direct Advantage Diamond PPO) covered as much as 80% of the cost for the patient.
All but three plans had an annual limit on how much the insurance company would pay for dental care. The three plans without the limit (known as the “maximum benefit”) were the Careington 500 Series Dental Savings, the Humana Dental Value Plan C550 DHMO, and the Guardian Direct Managed DentalGuard DHMO. The remaining plans had an average limit of $1,659 each year. Four of the plans increased their annual limit after the first year of enrollment. The smallest limit in the first year of coverage was $500 for the Guardian Direct Advantage Starter PPO and Guardian Direct Advantage Core PPO. The plan with the highest annual limit ($5,000) was the NCD Nationwide 5000 Plan PPO.
To see the plans available in your area, visit our home page and compare dental plans. With respect to plan popularity, below are Illinois' bestselling plans based on DentalInsurance.com sales in the state.
No waiting periods. $1500 plan maximum. 100% preventive coverage on day one.
Plan type:
PPO
Plan Maximum: $1500
Unlimited use of this discount plan as of the effective date.
Plan type: Discount Card
Plan Maximum: N/A
Rich benefits with maximums increase each for year the first 3 years.
Plan type: PPO
Plan Maximum: $1000 – $1500
The ISDS works to secure the professional success of their members while promoting education, legislation, and communication contributing to improved oral health in the state of Illinois.
A comprehensive report on the state of Illinois Oral Health produced through a collaboration among Illinois Children's Healthcare Foundation, Delta Dental of Illinois Foundation and Michael Reese Health Trust.
A resource listing dozens of dental options for low-income residents of Illinois.
State sovereignty, national union
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