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Virginia Dental Insurance Options

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A Shopper's Guide for VA Dental Plans

By Insurance Industry Expert & Author
Updated on

 

The State of Virginia has almost nine million residents and thousands of general and specialty dental practices. Virginians get their dental coverage from a variety of sources ranging from privately purchased plans to employer plans to government insurance in the form of Medicaid or Medicare.

What Did We Find When Examining Virginia Dental Plans?

To provide some meaningful guidance to shoppers, DentalInsurance.com reviewed over two dozen dental plans offered in the State of Virginia. Price quotes were obtained for a hypothetical applicant who was 22 years old. The average premium across all the options (which included indemnity plans and a dental discount card alongside traditional insurance) was $39.29 a month. The least expensive option was the dental discount card offered by Careington. It had a monthly fee of $8.95. The most expensive option within the reviewed plans was Classic 2000 + VSP Premium from Nationwide. This is an indemnity plan that doesn't restrict its enrollees to a dental network and it also provides some vision benefits alongside traditional dental benefits. This plan cost $90.06 a month for the applicant details we provided.

Maximum Benefit

The limit on insurer spending during a plan year (known as the “maximum benefit”) varied among the plans that were examined. The dental HMO plans did not have this limitation nor did the dental discount card. Among the plans that did have a maximum benefit, the average amount of this limit was $2,486. In a few cases, the maximum benefit was increased across multiple years of enrollment.

Individual Dental Coverage

Individual dental insurance refers to a dental policy purchased by a single individual. This type of dental coverage is contrasted to group dental insurance where an employer, union, or other organization purchases a dental policy to cover many people belonging to the organization. The state of Virginia has many insurance companies who offer dental coverage within the individual dental insurance market. Examples include Humana, Ameritas, MetLife, Nationwide, Renaissance, and Anthem BlueCross BlueShield.

Family Dental Coverage

Family dental insurance is distinguished from individual and group dental insurance by the following:

When applying for family insurance, an insurer requires that the applicant provide information (e.g. date of birth) on each family member who will be covered by the plan.

Oral health resources for Virginia Residents

Virginia Dental Health Resources

This page sponsored by Teeth Wisdom contains links to Virginia-oriented websites on oral health and where to find affordable providers of dental care.

Virginia Dental Association (VDA)

Begun in 1870 as the Virginia State Dental Association, the VDA has grown from its original nine members one hundred and fifty years ago to thousands today. The VDA has multiple objectives spanning dental professional advocacy to promoting best practices within the field of dentistry and providing professional development/continuing education to its members.

Virginia Department of Health Professionals

This page hosted by the State of Virginia provides consumers with resources to look up information on dentists (e.g. licensure), find COVID information regarding dental care, as well as file a complaint.

Low-Cost Dental Care for Virginians

This resource from the Virginia Dental Association lists free and low cost dental options in the state. They include The VDA Foundation, Missions of Mercy, and donated dental services.

Virginia State

Sic semper tyrannis (Thus always to tyrants)

  • Capitol: Richmond
  • Nickname: Old Dominion, Mother of Presidents
  • State Bird: Cardinal
  • State Flower: American dogwood

Our best-selling plans in Virginia

Ameritas Logo

Hollywood Smile Premier 1500

No waiting periods. Increasing benefits. Get the most out of this plan by using one of our 115,000 network providers.

Plan type: PPO
Plan Maximum: $1500

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Ameritas Logo

Hollywood Smile Premier Plus 2000

100% preventive coverage on day one. $2000 plan maximum. No waiting periods.

Plan type: PPO
Plan Maximum: $2000

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Humana Logo

Preventive Plus

Designed for people who are looking to maintain their oral health through regular dental exams and cleanings

Plan type: PPO
Plan Maximum: $1000

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Richmond, VA
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