Illinois Dental Insurance Plans

Find affordable plan in Illinois

Compare Plans, Coverage & Pricing

By Insurance Industry Expert & Author

Updated on


In this article

If you live in Illinois and need dental coverage, this article will help you:

Bestselling Plans in Illinois

Company logo for Ameritas bestselling

Hollywood Smile Premier Plus 1500

No waiting periods. $1500 plan maximum. 100% preventive coverage on day one.

Plan Type: PPO

Plan Maximum: $1500

Company logo for Careington bestselling

500 Series Dental Savings

Unlimited use of this discount plan as of the effective date.

Plan Type: Discount Card

Plan Maximum: N/A

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

Dental Costs in Illinois

Who much does dental insurance cost in Illinois? We examined the premiums for nearly thirty plans quoted for a thirty year-old living in Chicago and found the average monthly cost was $42.74. 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 the Humana Extend 5000. This option had a premium of $97.99 for a 33 year-old. This option is an indemnity plan, which tends to have very wide acceptance among dentists.

79.3 percent 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 66.9% of the filling cost. Some plans (Nationwide Select Plus 1500 + VSP Standard and the Guardian 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 Managed DentalGuard DHMO. The remaining plans had an average limit of $2,154 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 Advantage Starter PPO and Guardian Advantage Core PPO. The plan with the highest annual limit ($10,000) was the NCD Complete by MetLife.

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See Dental Plan Rates in Your Area

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 sales in the state.

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Dental and Oral Health Resources for People Living in Illinois

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

Illinois State Dental Society (ISDS)

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.

Oral Health 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.

Free, Low-Cost or Sliding Scale Dental Clinics in Illinois

A resource listing dozens of dental options for low-income residents of Illinois.

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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