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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.
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.
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 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 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.
This page sponsored by Teeth Wisdom contains links to Virginia-oriented websites on oral health and where to find affordable providers of dental care.
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.
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.
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.
Sic semper tyrannis (Thus always to tyrants)
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
100% preventive coverage on day one. $2000 plan maximum. No waiting periods.
Plan type: PPO
Plan Maximum: $2000
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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